<prompt> Human: My wife and I are 29 and 30, respectively. I make 110k, and she makes 50k. We are both have 401ks. I contribute 18,500yr current balance about 85k, and she contributes 10 just started employment.Looking at 401k value calculators, with a retirement age of 55, and a modest growth of 6, I am looking at 1.9M. My wife is looking at 1M. That gives us roughly 3M in retirement if we both go at 55.Additionally, we both receive lifetime pensions. Mine will be about 60k at age 55 and hers will be probably around 30-40, so estimate another 100kyear.We just moved into a house and would like to remodel the kitchen. I have a Roth IRA worth 25k that I had put extra money into. We do not have the money to remodel the kitchen most of it went to down payment on house. Would it be plausible for me to liquidate the Roth IRA to do this, and also forget about Roth IRA in the future? Given our 401k and pension, we should have way more than enough in retirement. Does not even count social security.Thoughts?  <response>: A lot can happen in 25 years that could affect your income. You might as well keep contributing to retirement while you can. Instead of taking money out, why dont you leave it and then temporarily reduce your monthly contributions. Set aside that extra money until you can pay for the remodel. Thats what Id do. 