I have a defined benefit pension plus a small 401K that I only started 15 years ago. My wife has a 401K that she has been paying into for close to 30 years. That and Social Security will hopefully help us to survive. We are lucky that we own our current house and have no mortgage, so we are going into retirement debt free. I don't pay much attention to what Old Man says, I think the cold affects his brain. One thing I am going to enjoy here is the forecast for Monday is a low of -10 degrees. I can sit in my chair and look out the window and say "Nope, not going anywhere today." I look forward to fishing in the PNW and will hopefully meet some of you in person after we get settled in the area.