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[quote=Anonymous][quote=Anonymous]All of the people doubting that OP can have amassed $3m in retirement accounts - it's more than feasible.  I am 47 yo, and due to grad school and an unfortunate case of idiocy after I graduated, didn't start contributing ot a 401k until I was 29 - so 18 years ago.  I have had a match for many of those years, sometimes generous, sometimes not.  18 years later, the account stands at more than $1.3m.  I can easily believe that with two earners (thus access to two tax deferred plans), starting early, appropriately aggressive investments, use of backdoor Roths (which we, sadly, didn't do) and 5 more years OP and spouse have $3m.  The math easily checks out.   [/quote]

Yep!  Same for DH and I.  Both government employees for a very long time.  Contributed the max to TSP starting early in our careers.  Now, not in government anymore but contributing to employer 401ks.  I do catch up because I’m over 50.  DH will this year.  Just started backdoor Roth’s a couple years ago.  We have the about same amount.  We did not save as much for college upon the advice of others that kids may not use it all.  We currently pay for 2 kids in private (50k each) so for college, we really only have to make up the difference (20 or so k per year if kid chooses private and does not get merit).  One kid is looking at an instate with a scholarship that would be 20k per year (30k less than we pay for private now).  [/quote]

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