It sounds like you are a little short-but the key is what you are going to be doing when you retire. many others have done the math and most of them make sense.I have a similar situation with my wife who thinks I am too young to retire, but we have addressed that over the two years that I have been retired. She works now, likes to work and probably won't quit for 2-3 years. I showed her on paper that we could afford to have her retire now, but she is skeptical. I emphasized that she do what she wants and I do what I want and we should be happy.(the Mars/Venus factor here means that she apparantly doesn't see the same figures I do).I think the "wife" factor may be your biggest hurdle.Good Investing!Mr. Flash
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