What you really should do is figure out how much money you need to have the day you retire in order to supply you with the income you will need in retirement (tough since it is not a set "end date").The calculations can get kind of messy, and it can take a long time, but if you are good at math and Excel, it shouldn't be a problem. Taxes, expected social security all that should be factored in. This is the type of stuff fee-only financial planner do, while most commission based simply will sell you something.Once you figure out what you need the day you retire, you have to figure out how much you need to save each year until then. You will either need to cut back on spending now, or plan on spending less in the future.I've made a nice simple retirement calculator:http://wrjohnston.net/storage/retirecalc.xlsOf course, you should double check my math, since I could be wrong. It's also very simplistic and doesn't account for more than one change in investment rate, or inflation rate (healthcare goes up by more than general inflation). And, with your savings thus far you're better than the majority of American's, so you can take comfort in that.WRJ
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