||The mid-fifties IMO represent the top poried of of your working income unless you are self employed. If you are not self employed you are probably overestimating your retirement funds at retirement time. Reliance on the stock market is a mistake IMO especially if you have children. Concentrate on reducing or eliminating debt to 0) ( No house no car payments) Interest rates will be coming up again and safety is or should be your goal. 2 mil at a decent percent of return and a budget around 50-60,000 will allow a decent life IMO.