If you aren’t, you need to be looking at some tax deferring options as well to close the gap on what Uncle Sam gets. A couple of minor tweaks And a little shuffle game with the finances makes a big difference.I am an accountant. I would have minored in finance at WVU if they had recognized it. I have a financial spreadsheet that would make you envious. I have professionals at work to consult with about retirement planning. I just want to see what I need to do to retire at 62 vs 65. My biggest issue is planning for unknown health costs