<prompt> Human: My wife and I both 27 have been putting away approximately 30k for the past couple years and plan to be at that or above. I put what we currently have saved 100k plus 30 k a year for the next 38 years in a compound interest calculator at 8 and come up with 9 million dollars. Is this correct? That seems like a big number. We currently make about 160k a year. Have 18k still in student loans that will be paid off in 3 years. Both have car payments at 2.7 and 3.5 and a mortgage at 3.75. We have 6 months expenses in our emergency fund. And now are saving money aprox. 1000 a month to fix up our house.floors ceilings and random expeensives Should I be doing something different with the retirement money?  <response>: Should I be doing something different with the retirement money? Retire earlier? 