N of one here. I have on child. Started saving in early 20's because I remembered two things my parents struggled with in the 80's. 1) being under water wrt the

N of one here. I have on child. Started saving in early 20's because I remembered two things my parents struggled with in the 80's. 1) being under water wrt their mortgage and 2) just making ends meet meant that they were never able to effectively save for retirement until they were in their mid/late 30's. Got married to someone who thinks like I do wrt to retirement and with one child we are on track to 'retire' when we want to. Barring us doing something dumb or global financial meltdowns - by mid 50s or so. I put retire in quotes because who believe in retirement where one site on their ass all day and says I'm so glad I don't have to work any more? I don't. Retirement means we will be able to give meaningful time to .org's that need it. But this will still be 'work'. I can't imagine a worse hell than retirement where I have no meaningful work to do. Note: with two or more children much of what I can still do would need to be re-evaluated.