I just went to this interesting site that left me in shock and awe. Seriously.
https://www.ingcompareme.com/app/?returnURL=Public&appState=default&referrer=
Compare your financial situation with others in a similar situation. Completely anonymous.
We have been working on our finances for a few years now and the value of a good website---very eye opening. This is the first year we have hit our target (this week, actually) of saving 33% of Kevin's salary for retirement. And yet, this still has him working until he is 63. But with a few years of diligence, this was brought down from NEVER able to retire to 63. It can be done. Yes, beans and rice may be involved. But they are mighty tasty!
I highly recommend this calculator http://www3.troweprice.com/ric/ric/public/ric.do See where you are at, so you know what you need to do to meet your goals. Every dollar counts, as in retirement that dollar is ten to thirty times more than it is now. A dollar purchase today is $30 less in the future. Is a $5 coffee today worth $150 in retirement? Would you burn $150?! So much of this is changing your mindset.
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