Thanks, John and unclemick;
I read a long time ago where they did a comparative study on Harvard grads between those who wrote down their goals; short-term and long-term; versus those who didn't - the writers met and exceeded their goals.
Now every year, I write down my goals and review the last year's as well as track the long term ones. Amazing how the physical manifestation of a thought onto a piece of paper can motivate a person.
Those goals are not just monetary.
As for my savings goals----I am trying to see how little I can live on while still enjoying my lifestyle. I don't have any children and don't have any debts except my house, which is appreciating very nicely right now. I've read many financial management books and found that saving money and lowering ones lifestyle expectations are perhaps the most important keys to being able to retire early.
My definition of retirement is being able to do what I want with my time - if that means trading it for some more money, then fine, but not *having* to do that is the key for me.
And the mantra above is what this BBS (I'm dating myself with that moniker) sings at choir practice everyday
Thanks again to all for your great ideas and dialogue - sure helps me....