I work as an engineer and I'm about 15 years away from retirement and have begun to take a more active role in managing my resources for retirement. I have been investing in 401k's and IRA's since the early 1980's but I did not really understand what I was doing or have a real investment objective until the last few years. I have been a student of value investing since 2005. I joined Motley Fool at that time and started learning about value investing. I joined Seeking Alpha last year and found the dividends and income section and became aware of dividend growth investing. As I learned more from everyone here, I realized that many times good values stocks are also good DG stocks. David Van Knapp, David Fish, David Crosetti, Robert Allen Schwartz, Chowder and others have helped me learn a lot about DGI and I am starting to put the theory into practice. My goal now is to have investment accounts (Roth, 401k, IRA and taxable) with DG stocks that produce reliable income streams from dividends to replace as much salary as possible to maintain a comfortable standard of living in retirement while also minimzing the hit to the principal of the accounts. I've recently come to realize a couple of big lie's that were sold to me in this whole "manage your own retirement" scheme that started with the 401k's way back in 1983; (1) Just keep investing and you will have a big pile of money come retirement time (except when Wall Street comes in to take their cut every few years). (2) You will be in a lower tax bracket when you retire. According to my models, when considering the RMD's, I will have more tax liability in retirement than I did when I was working and 85% of my SS (if any) will be taxed as income because there is no way to shelter it any longer. Oh well, back to work!