I'm in my 40's.
Up until November of this past year, I was set to "retire" at age 50. I had done many of the right things, worked hard to build my business, worked my ass off and spent a lot of money on a recent project that just took off in June 08. Then, the world economy crashes, manufacturing stops, the markets all but collapse, and the investments into my business have about a grand total current value of zip.
Shit happens. Some of it we can control, some of it we have absolutely no control over. I just have to re-adjust my goals on "retirement", realize that I have to adapt to the changes, and keep doing the right things. I guess my comment to you TinyE is that if you don't plan and take control, you'll never get there. My plans have changed, and like you, I just need to be more aggressive as to how I'm going to get there.
Good luck.
PS - I know you are not alone, TinyE. Survey's say that the vast majority of American's don't save like they should be.
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