[Skylark]

It is going to be tough to retire soon on that level of income. The positive side is that you are 17 years away from a defined benefit retirement and (reading between the lines) you have a stable job that will support your family. With children in the family, security is worth a lot. Your best outcome may be to put aside enough in the Roth and 457 plan to give you additional income after your defined benefit plan kicks in.

Remember that it takes most people well over 10 years to ER even when they are making big bucks and trying to sock away as much as possible. So 17 years is not too bad.

I would suggest that you try to increase your income somehow, either through getting additional skills or moving up into management in your county govt. Sometimes the only way to get a big raise is to move to another organization. But it is hard to walk away from a defined benefit pension. 20 years and out is a good deal.

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