<prompt> Human: Hi rpf! First, you guys are amazing. I feel right now like 23 of what I read here goes over my head, but Im plugging away on the budget, efund, and have my plan in place to eradicate my sizable credit card debt by early 2018 Im avalanching the shit out of it. Im feeling a little ok, a lot discouraged as I start to read about retirement planning. I feel like we are well and truly fucked since we havent really done a lot of planning were nearing 40. My spouse has a 401k and I have a government job with a pension though who knows if that will be there in 30-35 years. And I have a small supplementary IRA account I just started in 2015. I dont even know what our balances are on any of these accounts, thats how out of touch we are on this. Where do we start? Will we ever be able to retire? How do we get from here to there? Were making some really good strides right now in terms of debt and changing spending habits though when were done with credit cards we still have student loans and a mortgage but they feel like a drop in the bucket compared to the million dollar retirement price tags I see floating around here. My spouse thinks Im worrying too much since we can only do what we can only do and were making good debt progress. I think were not worrying enough. We still have kids to put through college, and were going to be supporting a set of our parents starting this year who never planned for retirement. On the good news side, weve got what we think are good incomes and good credit we are both in the 780s but I worry that the changes were making are too little too late. Thoughts? Guidance? Are we on the right track even if it doesnt feel like it yet? Thanks!  <response>: Sounds like youve woken up, and youve got two good incomes and 25 more years to make something decent out of it. 