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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I have about $150k and am 46. I will never retire. I'll work until I drop dead. [/quote]

You can give up, but I don't think 46 is the time to do that.  I'm 45 and only have 250, but I'm cautiously optimistic.  We've paid off all of our debts (except mortgage).  I just started maxing out my 403(b) for the first time in the last two years (of terrible returns) and plan to keep doing so.  I will do the catch up contributions when I turn 50 in a few years.  It adds up.  My husband is about the same.  We won't have a pension, but are finally at a decent earning (260 total pretty evenly split), out of daycare years, and saving as much as we can after paying off substantial school loans.  We need to be careful with our approach to kids college, but I think we have every reason to believe we can have a normal middle class retirement in 20 years if we focus on catching up. [/quote]

You own a home, and have a second income via a husband. The two of you can share a one-bedroom POS shack and will have more income than I will, as a single person who rents. You two also earn a quarter of a MILLION dollars a year! I don't break six figures. Enjoy your fancy life. [/quote]

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