[aigel]

I may get there by 65, except that my plan is to stop working full time way before then. The last thing I need is work my ass off til 65 and not see the money due to early departure. Even in good health, by 75 you are toast with most active lifestyle activities.

IMHO you want to own 2 homes, paid off. Live in one, rent the other for supplemental income. Social security and half way decent 401k and you are there. This also assumes that you continue to make some money to supplement with odd jobs, i.e. consulting, flipping cars, online sales like Ebay. This way you will not need a million bucks in 401k, IMHO.

I have a lot of hobbies that are very low cost. Lots of outdoors stuff where the travel to the destination and back is the most expensive part. My retirement plan does not include lavish hotel stay travel or cruises, neither going out 3x/week. Once you have TIME, you can save a lot of money. You can drive beater cars because you have time to fix them, you can cook from scratch because you have time to do so, you can go to the library for books and don't have to buy them on amazon, you can take your time to hunt down a deal on craigslist on whatever you may need ...

G