I have my target set out at 1 1/2 yrs. Wife will be 60 at which point her pension will kick in to cover health insurance that she can get. I contracted a financial advisory firm (Ron Blue and Assoc.) out of Atlanta a few years back and have since rolled my 401K over and put several IRA's under their guidance. I have been very please with the results since they took over. Also have a pension from Johnson Controls that I can convert in 2016. Mortgage should be paid by then and that will put long term debt load at just about nothing. In the mean time I'm being mentored on how to enjoy life and drink lots of beer by the biggest and best gewber I know...Billbob!