> Never had to dip into retirement or stocks though. This may be a difference in perspective but, I consider my savings and my official 401k to both be "retire

> Never had to dip into retirement or stocks though. This may be a difference in perspective but, I consider my savings and my official 401k to both be "retirement". Partly this is because, I only have a 401k from a previous company. My current employer doesn't have one, so any savings I have are my "retirement".