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Old 01-03-2008, 06:36 AM   #21
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donheff's Avatar
Join Date: Feb 2006
Posts: 8,103
You need to play a mental trick on yourself to demonstrate how valuable those last years savings are. Since you think you don't really need it, why don't you throw the last few years of $30K into a separate account earmarked for frivolous spending 20 or 25 years out. Then you can play with the calculators to estimate how much mad money you will have to splurge. Or treat it as an emergency fund if things get bad.

Every man is, or hopes to be, an Idler. -- Samuel Johnson
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