<prompt> Human: Quick background: I just graduated, took a job in the midwest where I make about 40.5k per year. In a couple years I will get 12 raise, and another 12 raise a few years after that. Other than that, I can expect an annual raise hovering between 2.5 to 3 each year. I thought this would be enough to support a one income household wife and two kids while also adequately saving for retirement - until I crunched the numbers.I plan on investing in my Roth 401k like so:Ages 24-29: 25 plus the employer 4 match for the first six years while its still just me and my wife living in a cardboard box.Ages 30-55: 5 Which is probably more than I can afford given anticipated inflation of around 3, but its what I need to get the 4 matchAges 56-65: All the way up to 30 plus the employer match now that I figure the kids will be moved out and whatever cheap home I live in is finally paid off.By doing that, the value of my Roth 401k will be close to 2 million by the time I turn 65 assuming an average rate of return of about 5.5.However, factoring in average inflation of 3, and assuming in my retirement years my Roth 401k grows at an average of 3, if I draw out about 70 of my preretirement income annually, Ill run out of money by age 84.My employer also has a pension plan, but Im going to assume thatll be long gone by the time I retire. I also dont anticipate collecting a dime in social security.Seems to me as though the middle class of my generation is by and large going to be screwed by the time they hit retirement age. Are there other options I can pursue here so my situation doesnt seem so bleak already?  <response>: Your calculations assume your wife doesnt work at all. If youre only planning on having two kids, it seems odd to never work. She could be working before kids saving money, then working again when the kids are in school or teenagers at least. 