Why do you need gross of $240K? Are you saying you pay $95K in tax? If you have a 401K you can save a significant amount pretax. You're also not factoring in

Why do you need gross of $240K? Are you saying you pay $95K in tax? If you have a 401K you can save a significant amount pretax. You're also not factoring in portfolio growth over the 15 years you're saving.