<prompt> Human: ove to hear your thoughts 47 years old. married, 3 teenage boys I make about 130,000 a year.no annual raises Wife, 46, works,18,000 a yearteacher assistant I have 690,000 in 401k. I contribute 12.My Wife has 96,000 401k from an old jobno further contributions 22,000 in savings account cashno interest I have no money saved for college for my sons. No other investments. No credit debt. credit score of 822, wifes is 838 Questions: How amI doing? can I retire at 55!? Where can I hide money to lower taxes? I have no investing knowledge or skills. Thanks in advance!  <response>: Im reading these comments with interest. Like many, I suffer from mission creep when it comes to personal finance... whenever I achieve a financial goal, it suddenly doesnt feel like enough and I wonder whether I should be doing better... 