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Age - 38 Married (SAM) - 2 children (4 and 7) Annual Income - $167,000 Current Retirement Savings - $570,000 (all tax deferred) Emergency Fund - $30,000 Debt - Mortgage of $270,000 and $600 car payment for another 2 years Yearly Savings - $45,000 to 401k (including employer profit sharing)...

Are high dollar emergency funds necessary if you have secure employment and a substantial 401k? We have 3 months of expenses in cash - secure professional employment (for one - wife stays home with 2 kids) - and 2.5x gross salary in 401k - age 36. I know that traditional wisdom suggests 6-12...

Thought this discussion may be worth its own thread. What is the consensus on ROTH401k vs 401k. I understand there are a lot of variables, but the most common analysis is current tax rate vs anticipated future tax rate at time of retirement. If you anticipate a higher tax rate at retirement...

36 - waiting for 59.5 Some background: Age - 36 Married (SAM) - 2 children (3 and 6) Annual Income - $150,000 Current Retirement Savings - $380,000 (all tax deferred) Emergency Fund - $30,000 Debt - Mortgage of $275,000 and $600 car payment for another 3 years Yearly Savings - $45,000 to 401k...