Reply to Middle-class, reasonable, not extravagant retirement plans

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[quote=Anonymous]This is NOT the thread for people who can afford to max out their 401k every year without much sacrifice because they have an HHI of 300-400k, or who have family money, or who have a million dollars in equity in their huge houses.

This is a thread for middle class people who are far from poor but who must make hard choices between retirement savings and stuff like childcare expenses or college savings. Who probably have some home equity but also might retire in those homes so aren't necessarily cashing in for a big payday. You might have a pension from teaching or the military but it's like 3-4k a month, not 10k.

What are your normal person retirement plans? What are the best choices you feel you've made in this respect? Any regrets? What worries you most? Are you moving to a lower COL area or hoping to retire in your home once it's paid off? Does social security factor into your plans? How do you plan for end-of-life care? Will you have enough to do some of your bucket list retirement goals, like travel or being able to help pay for grandkids to go to college?

I'm just curious about how the not-rich people on these boards think about this issue.[/quote]

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