<prompt> Human: My husband and I are both 29 and take home about 70k combined after taxes. Ive had a Roth IRA for a few years but only this year was able to start maxing it out. By the end of the year Ill have just under 30k there. Im self employed so my IRA is my only retirement. My husband works for the state and has PERA. Depending on how long he stays in his job he gets a certain percentage of his income when he leaves. If he retires there after having worked there for 35 years, he gets something like 80 or 85 of his max salary for life. Hes planning to stay there for his career, but it makes me nervous to depend on that. His employer does not offer a match but he is accruing retirement that hell be able to take with him if he leaves before he becomes eligible for getting a percentage of his salary. I hope this makes sense : Hes been working there for almost three years and has about 16k accrued.What else do we need to be doing?  <response>: In addition to the 25x rule, there are general benchmarks based on the normal retirement age. For age 30 close enough, The contribution benchmark is 10-13 of your gross income. The portfolio benchmark invested balance is .6 to .8 of your gross income. This would mean your total balance of 46k 30k IRA, 16k vested PERA is .65 of your gross income of 70k.If your husband does stay with PERA, that is great and he will receive a great replacement of wages. I would only count on his vested balance right now though. 