<prompt> Human: Long time reader. First time poster. :My wife and I have begun to get serious about saving and thinking of retirement. Ive always though we were good about saving money and contributing to 401ks, but every online calculator Ive used says that we are coming up short. Ive read online a fair amount regarding personal financial planning including this subreddits resources, and grew up with parents who wont shut up about Dave Ramsey. Were trying to apply these principles as best we can, but I am still worried were not doing enough. What am I missing here? Thank you in advance for reading this!We are both in our mid-20s. Combined income is 155,000. Thats a fairly recent change for us. We both switched jobs this year and managed to get higher salaries.We have a total 401k balance of roughly 12k and 16k in savings. The 16k in savings is our 6 month emergency fund. After we break 25k, well start looking into investing in low-cost index funds. I dont know much about that either. We became debt free this spring after 2 years of paying 40 of our income toward loans. 2 months ago, we both started contributing 15 toward our 401ks. We both have company matches. However, with 5-7 year vesting schedules coupled with the fact neither of us sure well stay with our companies for more than 2 years, I dont feel comfortable relying on those. After taxes, insurance, and retirement contributions, we have about 8k monthly and can save 38 of it comfortably.We would love to be able to retire or drop to part time work in our mid-50s. Is that wishful thinking? Im sure we wont be able to keep up this streak of saving 40 once we buy a house and have kids in a few more years, but it looks like well be able to do it at least until then. What should we be doing differently and are there any gotchas I might not be considering?Thank you so much for your input!  <response>: First of all, on those retirement calculators, one thing they tend to get wrong is that, they claim, during retirement, youll need 75-80 of the income you are pulling in right before you retire. If youre already living on only 60 of what youre earning in your 20s, you are certainly capable of living off less than 80 of your final pre-retirement years income. Ive looked at retirement calculators that told me that 8,000,000 to 12,000,000 wouldnt be enough, and I just... cant believe that.Based on your income in your 20s, you definitely have the ability to retire in your 50s. 