[cercis]

I want to have enough saved that I can live off the interest generated and then pass some money on to my sons.

I do probate work and it's pretty amazing the differences between people. One woman (in her 90s and we're doing a prenup for her) is still buying 10 yr annuities. That's how I want to be. I got her bank statements (as part of preparing the prenup) and she has an income of $6k/month and only spends about $3k, so every month she has more money to invest. But she's starting to decline and her daughter called me to tell me that she was going to have to go into longterm care, so they were cashing in some investments. They'll get the info to me to update the prenup.

This woman is prepared to live to 110 and still have a little bit of money set aside. She can weather most major illnesses. That's what I want. I want to be able to get majorly sick and not have it take a major bite out of my retirement account.