[dmcummins]

Im 48 and I think about it alot. Ive been tracking my net worth since 1998. By keeping track it helps me see where Im at and gives me insentive to save and to pay off my debts. I payed off my mortgage this year as I plan to retire soon. I figure that being debt free I won't require to draw as much from my investments and savings. The wife will be eligible for a very nice pension when she is 52, she is a school administrator. Ive been putting the max into my 401K for years and also have a nice amount in other investments. We don't budget but I do track our spending. We don't have to work now if we wished to scale back alittle. That fact alone sure reduced the stress at work a ton. It enambled me to go to the boss and work things out so I no longer work nights or weekends. I use to put in 60hrs a week reqularly. Now I may work 35.

I don't know how anyone could get by with the amounts in the article. I'm not planning on getting anything from SS, so if I do it will just be a bonus. I think most will have to work till they die if they don't start saving more. Of coarse this may be the answer to keeping SS afloat.