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Thank you - I've been reading the board for a little over 2 years - we've just never been in a position to save more than 15-20% of our income, simply because our income was so low.

We have been investing in Roth's and the max match on our 401Ks. We also were investing outside of retirement funds (because we knew we wanted to retire early but didn't know how we'd get at it). We took everything out of outside retirement accounts out just before everything crashed (bless us!) and paid off all debt. And instead of investing in the past 18 months, we've finished paying off debt and building up an efund.

So, we consider ourselves at ground zero (with the exception of some in Roths and 401K). But, no debt having to be paid.

So, now, we are able to put away lots.

Just to clarify - if we invest (at minimum) 40% of our gross income for 12 years and average a 10% return, we will be able to retire at the end of this time on our current income level???

Also, what vehicles are averaging 10% returns right now. I realize stocks will average over the long run around 8% - but thats only 8% - where do we find the other 2%?

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