Disneysteve, Is the amount you save designated for retirement or is it a combo of retirement/misc savings? We max out my 401k and then put additional savings in a 529 for our son and then we also have other stocks and mutual funds outside retirement that we save in. The other stocks/mutual funds aren't necessarily designated for retirement, but typically we don't use them that often (except recently for the patio). I think that was one of few times in the last few years that we even dipped into that money. I guess it is earmarked for additional retirement funds, but can be used if there is something we feel we really want. We end up saving about 28-29% of our income and then are matched 4% for my 401k and another 4.25% for my pension. The pension goes up a percent every few years. Our total ends up being about 36-37%. This year we are just trying to save back what we took out for the patio and backyard.
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