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Message: <blockquote data-quote="NJL" data-source="post: 278004" data-attributes="member: 1435">Thanks to everyone who's provided insights on this topic. I'm currently in my mid 30s, and i plan on retiring at 55. I've been with my company for a little over 7 years now, and i've been very happy with the companies retirement options. When i first started the company was transitioning away from traditional pensions to 401ks, and i was fortunate enough to be eligible for Part D of their pension plan, which is an additional 3% contribution to my 401k over the standard contribution amount. I've been contributing atleast 8% to get the full company match, but have also been contributing some to a ROTH 401k as well. So far i've seen atleast 20% returns every year. According to my financial adviser, if the markets stay average, i should be able to retire and will draw 70-80k per year; if they markets are poor, it could be as low as 40k per year. I figure thats probably enough if i'm debt free at retirement. It'll be interesting to see what happens, at worst i may have to push retirement out to 60ish.For now i like my job, just got promoted to management and now have a 3 day work week. This next summer I should be spending a lot more time out on the water  <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile    :)" loading="lazy" data-shortname=":)" /></blockquote>