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What's your retirement plan outside of social security and your 401K? Please tell me if you have more than those two items on your list.
Retirement is survival in the unknown, and those who prepare the best will win the battle. We need to have multiple streams of income that also increase over time.
I like creating a "combo retirement" that consists of two sources of income, such as rents/dividends or business/royalties.
You'll also need to prepare for whatever city or town you will live in during retirement. If you are planning for a high cost of living area such as California or New Your, plan accordingly.
In the end, retirement should scare the crap out of you. This fear of the unknown makes us over-prepare. And that's how we win the battle—having more answers than questions.
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