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Hello from Montana. I just turned 40. My wife and I own a PT clinic and I work as an engineer. 4 kids in the home - last one out in 14 years. Looking to be financially independent when the last one is gone. Maybe that doesn't sound like early retirment - but my dad is still working at 70...

My wife and I are trying to max out contribution limits on IRA's for 2016. We both own a company (and are employed by them) and contribute through that and I work another job and contribute through that as well - all in SIMPLE IRAs. I maxed out her 2016 SIMPLE at the $12500 limit and I maxed...