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[quote=Anonymous][quote=Anonymous][quote=Anonymous]A lot of these responses assume nothing bad will happen until some certain age. That's so far from sure, and it's arrogant (that may not be quite the right word, but it seems more willful than just naive) to think you will definitely be here and ready to travel at 70, 80, whatever.[/quote]

But if you're assuming that you won't be, seems a bit self-fulfilling. Research has shown that negatively affects outcome. [/quote]

I'm not assuming I will or won't. I'm planning for both but you can take the amassing money thing way too far at the expense of living life, and my personal opinion is the amount you actually need is way less than what OP already has, especially after it grows to her planned retirement date.

I think OP should run some calculators separately on the $4 mil she already has and then $4 mil + contributions at current rate and then $4 mil + contributions at her proposed lower rate and any other combos like contributing $X less per year to spend it on more travel. Then she can see how much of the "final" expected value at retirement comes from what she already has vs. what she's sacrificing to get even more. I think many people would be surprised at the breakdown and how much the current amount might grow even with zero further contributions, which is much more extreme than she's considering.

Then think about what her goals now and for the future actually are, and how each of those scenarios affect her goals.[/quote]

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