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[quote=Anonymous]DH is a big law senior associate and I SAH.  We currently save the following:

1) contribute the maximum allowed to DH's 401K plan (no match)
2) $4k for DS' 529 plan
3) $8 K for DD's special needs trust (she has some significant challenges and will need life-long assistance.). She will likely qualify for some public assistance, but the special needs trust is important to improve the quality of her life and covers what public programs do not.
4) A Vanguard fund for me - the amount varies year to year - has ranged from $2k to $10k

For the next 3-4 years, it makes sense for me to stay home.  (Two big surgeries coming up and the recovery is not pleasent and will involve missing a lot of school.). What should I do to save for my own retirement?  Marriage is solid, but anything can happen as we all know.  We just finished paying off our mortgage and have no student loans/other debt.  (No family help and no inheritances expected.).  DH makes $300k, travel is impossible right now, I'm naturally frugal, and we love our public school, so our expenses are reasonable - we have money to save.  Should I just keep putting $$$ into my Vanguard fund or is there a better vehicle for me to use to save in my own name for retirement?  TIA.  
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