<prompt> Human: I am 51 years old. Got 100,000 in 401k and 5,000 in my checking account. Is that good?  <response>: Making 30,000 and saving 100,000 is commendable. I think the advice given so far is good as there is always some ways to save some costs and save more. You should be able to take those savings to 250,000 by the time you hit retirement if you can get a 5 return and save 3,000 a year like you have been doing. Saving a little bit more will of course yield you more. Once you get there that money with your social security retirement benefits should keep you at the same standard of living you have now. 