Currently dumping $20,000 a year into 401k. Planning on a 65 max retirement age with a goal of 55. 7% rough interest over 32 years would net me $3.5 million by 65, or $1.6m around 55. A 9% average return would net $5.8 and $2.5 respectfully.

Overall I expect that I should be able to happily draw $140,000+ a year during retirement and have that NEVER run out. My wife is a teacher and should be able to pull $40,000-50,000 during retirement as well. Medical would be taken through her retirement plan. Household income between $150,000 and $200,000 during retirement.

Honestly? I don't want to retire. Why would I? I love working on computers, from my basement office and working remotely is great. I have a kid, I would expect to take 2-3, months off a year for less money, but that's not a problem to me.

What would I do with retirement? Clean my house more? walk my dogs more? travel more? Maybe? Work is great and just find something / someone you like working for, have enough fuck you money to not care if you get fired and the rest is gravy.

I think I'm far more likely to leave the programming career (web development) and pursue a masters in something like quantum computing or physics than I am to retire.