"Meanwhile we have 60k in our retirement plans that we cant touch! unggh!"
And you should thank heaven for that. People raid their retirement plans too often now, and will not have what they need when they retire. Whatever your age, I sure hope that 60K does not represent your entire retirement savings.
Yes, sometimes Im really glad they wont let me touch that retirement or it might be gone.
In 14 yrs I can retire at 56 and get a check representing 80% of my avg 3 largest salary years divided monthly for life. Not too bad.