[Ciexyz]

I figure that I can retire on $90,000 a year (including SS) at age 62.

What kind of job do you have? Are you one of the movers and shakers of society who make the rules, and are therefore rewarded with a generous pension? Or are you one of the peons, like me, who had to take early retirement and scrounge on a bare-minimum pension, no SS? Just wondering.

[Lonesome in Massachussets]

My break down is as follows:

401k $37,195 (Assumes 6% return and drawing 6% per year)
Defined benefit pension $37,548 (29 years, no future raises of changes in plan.)
$18,744 - Social Security @ 62 from SSA worksheet.

Grand total: $93,487

I don't make the rules, but I am frugal and deliberately chose employment with a company with a defined benefits program, but lower annual salary.