<prompt> Human: My wife and I are in our 30s???k in 401k, contribute 15 on ???k; 3 yearly raise combined salary 16 company match 5 each 3 yearly deposit each.??k in IRAs.Investments are evenly split between Financial stocks and Vanguard Total stock index fund.Retirement goals: age-60; income-75 of income 120k; Debt-hopefully noneWithout making any changes, is this a good plan? We want to ride our current jobs into the sunset.Assistant: What do you mean by the financial stocks in which you are invested?Human: JPM, BACAssistant: No, stop, get rid of those.Broad index funds that track the total market. You want Total US stock, Total International stock, Total US bonds, and Total International bonds.Target Date Retirement Index Funds are a good place to start. The primary underlying investments is some mix of the above mentioned index funds. You can invest in the appropriate target date fund itself, or invest in the underlying funds directly to build your own target date fund.Human: I need to let my ego die as I frequently think Im good at timing the market and a decent stock picker. This has been holding me back.  <response>: I need to let my ego die as I frequently think Im good at timing the market and a decent stock picker. This has been holding me back.Timing the market rarely works. Put it aside in a target date fund and forget it. To think you are better than people who actively manage funds worth billions of dollars is being a bit delusional. 