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Net worth is ~2x AI which seems abysmal since we're only 17 years (God willing and the creek don't rise) from retirement.

That might not be so bad. Are there any pensions in the picture? Possibility of higher-paying job(s)? Do you have children who'll leave the nest, allowing you to save more? Will you have a paid-off house by retirement, slashing the needed withdrawals? Might there be an inheritance in your future?

Our retirement savings took a big leap forward in our late 40s with bigger paychecks, and another smaller leap when we became empty-nesters.

AI = adjusted income?? (am I suffering from senioritis and forgetting a common abbreviation I used to know?)

When DH retires from his semi-retirement job (currently making 1/2 his peak salary, and it started out much lower) with 2 SS streams and 2 tiny pensions, we expect to withdraw only 2-3% from the retirement stash per year.
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