I don’t want to throw rain on your parade, but trusting your retirement to paper accounts ala 401K should be reconsidered. There is going to be one hellashiush need for CASH, ready-CASH, in the coming years of year-two Obama (YTO) [an aside - have you heard progressives want to do away with BC, AD, etc...their goal is YOO, YTO etc....This unwaivering need for CASH will reach down into ‘paper’ accounts. You might also consider investing in steel, lead, copper, and maybe a little silver and gold.
Always a tough call — but gold has performed so badly that I hesitate to invest in it.
But I do constantly keep an eye out.
And, of course, the first step is to not have debt. So, I am in pretty good shape there.