I've never heard anyone say you can retire on an IRA alone. A full-funded IRA is a (almost) necessary but not sufficient condition to retire. You'll probably

I've never heard anyone say you can retire on an IRA alone. A full-funded IRA is a (almost) necessary but not sufficient condition to retire. You'll probably also want a 401k plus real estate. Yes, your primary residence should not be thought of as an investment vehicle, but it's a good way to have your money ~keep pace with inflation and the mortgage is a bit of forced savings. After the kids move out you can downsize and you'll have the difference in cash.