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[quote=Anonymous]We don't invest more than the match.  Even though the money invested in a 401(k) is pre-tax the fees can be high (they are for DH's plan) and the money is very much locked-up until retirement.

Instead we have concentrated on primarily building a nest egg outside of the retirement.  So at age 44/45 we have several million in a regular investment account and about $300,000 in retirement accounts (about $100k of that is in the federal TSP which is a much better retirement plan than that offered by most private employers).

We did this because we now rely on one (hefty) income and we don't necessarily expect that income to last until age 65.  This way we have some flexibility.

This isn't a strategy I'd follow if (1) we weren't disciplined or (2) we were going to need financial aid for college.

FWIW, DH works in finance and I have a background in economics so we have some knowledge of how to invest and like a lot of other people in this forum we invest in low fee (Vanguard) or no fee (individual stocks) options.  [/quote]

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