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[quote=Anonymous][quote=Anonymous][quote=Anonymous](I'm the immediate PP; that's 23x gross HHI, I see others are using HHI minus retirement savings contributions. Maybe I'll... think about spending more on vacations next year.)[/quote]

Depends on income.. Is this HHI at the time of retirement or current HHI?  If at time of retirement, it is very high unless you plan on spending a lot more in retirement.  [/quote]

Oh, good point. Current HHI. Not sure I'm expecting dramatic increases in HHI other than roughly keeping up with inflation over the next 15-20 years, but I guess we'll see.

We made a ton of money selling our previous house for more than twice what we'd paid for it and invested most of the cash, after putting 20 percent down on our current home, so having that in the market for 25 years should wind up being good for us. Our financial advisor seems to think we're well on track.

We spend plenty of money, so I don't want to oversell how conservative I am, I just have a hard time pouring cash into stuff that feels like a splurge.[/quote]

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