yes it is correct most people including myself are not saving, due to yes you are correct agian normal living exspenses normal family life buying children clothes, driving them to soccer, baskball, bowling, out with friends and just trying to keep your home looking cared for, paint, roof, grass, and you all know the ot...more

sahdman is about right, but it is good to know what the street value would be if you turned yourself into a nanny or as a hired out parent.  Also a stay at home Dad here too, it all depends on your area you live in and my area in Michigan this number is real generous/high  as the total family income/exspenses are less ...more

Robert is accurate in living below means both in housing and activities, but I will say he is not retired if he keeps free lancing work; that is working anyway you slice it.  To leave the Office life for freelance is not retiring, it is just simply going in a different direction for income. Retirement is only when you ...more