Off2Explore said:Personally, I've given up trying to project when we will be able to retire. It varies too much depending on our earnings going forward (highly variable) and the rate of return of our investments. I'm just going to keep saving and investing, investing and saving, and when we can afford to retire, we will. That way I do not get grossly disappointed when we fail to meet a target date.I know what you mean. Sometimes it seems like it could be Next October, sometimes it seems it could be tomorrow, and in market periods like the ones we've had lately, it seems like it might be never. :-)The advantage of coming up with a target date, at least for me, is that it gives me something to look forward to. And one benefit of reading this board, as I started doing this spring, is that it has made me realize that I really don't have to take a lot of crap at work. If worst came to worst, I could leave today and get along just fine, although perhaps with a belt that would need to be cinched a bit tighter.bill2975
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