I have been saving for almost 20 years started around the normal time. Between my first exwife and 0bama you could say about half of that time was wasted. Between her treating my checking account like an EBT card (you lose what you don't spend at the end of the month, so I hear) and years of "its technically not a recession" Obama economy. I run the numbers and it's just not looking good. I move my money (which their money I guess), dodge most of the down turns so I do alright. I could probably save another $400 to $500 a month and live like a hermit, not that's a bad thing and then I will have saved and invented enough to probably live like a hermit when I retire. Then there's the politics, I don't know if you have filed a tax return lately but now the irs want to know how much is in your retirement accounts. Considering a lot of millennials have not saved anything, seem to hate capitalism and success. Plus a liberal never saw a pile of someone else's money and actually left it alone, are you really going to have control over your retirement plan when the latest crop of broke, envious useful idiots hit the voting booth? My plan is run my retirement like a business. Do what works, pull money away from what doesn't. Let's say I have 2 business ventures, the larger ones been around for 20 years, it's return on investment is between -2% to 23% per year, with a 20 year average probably around 12 to 14% and the newer 9 to 10 year old business has already more than doubled my money twice. Why the hell do I still have most of my capital tied up in the other business? I'm thinking draw down my old retirement account, the dot gov thrift savings plan. I looked up 2018 tax brackets and we will file in the 77,400 to 165,000 tax bracket for married filing jointly, so I can clean that sucker out, come out with about a 4 inch stack of $100 bills and not go over. While waiting for the precious metals market to crater I can finish my well project, which would eliminate our $50 water bill and put up my first small solar array.