66, my dad always said "its not what you make, its what you keep". Just take a good look at your and your wifes spending habits and analyze it. Simple. Then a little discipline, and bingo, you'll be on your way. You have 20 years left of working, I too am 47 and am very grateful for what i do have. I look at this as the third quarter of our career, and the clock is ticking. Just start, start somewhere. This is a GREAT thread, one of the best of all time IMO. Gregs advice is simple and too the point, he doesnt have to do this, he does cause he wants us to do better for our quality of life and families. Plus, were all car guys here so we help each other out. Start reading from page 1, and dont be afraid to ask questions. Look at reading the first 200 pages as a homework assignment that will benefit your bride and offspring, not now but later they will reap the rewards........Mike
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Mike
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