I already plan not to receive Social Security or Medicare. If I do, I will have far more money in my retirement years than in my working years - we save at a pr

I already plan not to receive Social Security or Medicare. If I do, I will have far more money in my retirement years than in my working years - we save at a pretty crippling rate of ~20% into Roths right now. But since I'm 35 and my wife is 30, it's likely that we'll get nothing (or very little).