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We are already about the Gen X number and are debt free other than the mortgage and my BMW lease. We also have quite a bit in college savings for the kids and wife and I both stand to get a large inheritance. That doesn't factor in SS. All in all we are in as good a spot as you can be. My youngest is 11 so the plan for my wife is work about 7 years or so then when daughter heads to college maybe do some consulting work for a couple years and by late 50s full retirement and enjoy ourselves.
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