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So, to recap, we have $13k in debt, a mortgage and land payment, about $10k in a 401k, and $100 in an efund (yeah, you read that right, $100). What we want, is in 15 years, to quit working for "the man", and live comfortably on a self employed income until we "really" retire. Is this doable, or do I need to rethink some of my dreams

Of course you can do it! But you do need a plan. Matske's post should give you an idea of where to start to determine if your dream is feasible. Once you have determined that it is, then you can work on making it more concrete with various steps depending on your circumstances. For example you can develop a realistic plan for paying down the $13K debt, saving an E-fund, for making contributions to a 401(k), Roth etc. Once you start working out where the money comes from to make these deposits, you determine what amounts you can save comfortably and demonstrate that 15 years is indeed a realistic goal. Given what you've told us about the house, the planned purchase of the car etc, it would seem you've already begun to formulate a realistic plan already!

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