[recycled sixtie]

A couple other things you should think about. If you have credit card debt pay it off each month so you don't incur interest expense. You should not have any debt when you retire. No mortgage etc.

You can only live in one residence at once so I consider a 2nd residence a luxury especially if it is not rented out.

We only had one child so expenses now with her are minimal as she has moved out. If you have children it is essential that they be self supporting asap. Helping with tuition fees is of course up to you. People are a creature of habit. If you are a moderate spender now, you tend to be the same later.

Total up all your expenses each month now. Calculate all your income each month. If the latter exceeds your expenses then you are doing okay. It should not be hard to calculate the income stream you need to cover expenses when you retire.

PM me if you need any more info.
Cheers, G.