Originally Posted by Unregistered

You thinking of retiring in a 3rd world country? It seems your projected net worth of $3m is shored up by your primary property. You should work towards building a retirement sum independent of your primary property.

You still have time on your side though. My highest rate of savings was in the last 8 years from 45 till now. This was because we paid up our home at 45. Our yearly savings then steadily increased from $180k to current rate of $250k now, helped by dividends from stocks.