I dont know why I do it but I find myself running numbers over and over.

Today it what I would have in retirement IF I kept up my level of retirement savings until 2024 or age 48. At age 48 I would need a job change and so my saving would decrease. I figured if I STOPPED at age 48 with no cost of living adjustments and no interest accrueing after that age; at age 65 I would be living off of 53K per year. That is IF everything goes as planned.

Also this is factoring a 10% gains per year until age 48. But this is also figuring no savings at all after age 48 and no gains after age 48.

My retirement plan also includes a paid in full home by age 65. Now I have 14 years until that age magic age 48 number. I would really like to have money saved up so I could buy a paid in full home at the age of 48. Then I would only need to work partime the 17 years until I reach age 65, if I had no mortgage payment at the age of 48 then I would only need spending money. See I would have enough to pay my bills without the mortgage but no extra for fun, so my working would be to bring in FUN money!

On the other hand if I started drawing out my Roth IRA principle money I could maybe retire at 48. Because if I have a paid in full house why would I need 53K a year from age 65-90? Right now we are living off of 28,331 a year IF you subtract my husbands child support payments; and that includes 12,660 being mortgage, taxes, and insurance for house.

Okay time to get out of my Dream World.