I'm in my early 60s and looking forward to working another 4-5 years. Have been maxing out my 401k (with catch-up) for the past several years as well as an IRA for my wife who has returned to work after our kids moved on to college. Her current P/T job offers a 401k plan and we're now participating in that plus tossing the max in a Roth IRA in her name at the max (with catch-up). We've saved a fair amount with the vast majority in mutual funds. In March 2009 (remember March 2009?) I feared that I was making poor investment decisions (falling knife syndrome) and handed over the majority of our portfolio to one of the low cost brokerage firms. Needless to say, comparing where we were then to where we are now, I'm pleased with our returns. In the portion they're not managing, I've been building up a stable of solid dividend producing stocks after reading up on dividend growth investing. I'm intrigued by the process and I've been trying to punch holes in the concept as an income producing strategy for retirement. I've been coming up short. Possibly stuck in analysis paralysis, I haven't taken back control over my entire portfolio. I love reading the articles on SA. As others have said, the articles are great and more than a few of the comments are even better than the articles themselves. Keep up the great work everyone - I'll get back in the game as my own general one of these days....maybe.