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I also posted this on the REHP board:

Perhaps the author, Ms. Epperson, is a lurker on this board. She offers some excellent advice on "how to" retire without SS with a start of saving 20% of your income (which should be doable for a 2 income family)

starting with:

Say your gross income is $100,000 and your goal is to save $20,000 this year. Starting March 1, with payroll deductions of $1,300 a month to your 401(k), you'd reach this year's contribution limit of $13,000 dollars by the end of the year.

And later she says:

Contribute another $300 a month to a Roth IRA up to 2004's limit of $3,000. You qualify as long as your household income doesn't exceed $160,000.

She finishes with:

Direct the remaining $4,000 dollars, or $400 dollar a month, into a taxable account invested in a mix of stocks and bonds that you could tap earlier than retirement age, if needed.


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