It’s so hard to budget future needs with the cost of health care & insurance such an unknown. We are super conservative with spending and saving – so I look at that and think we need to go to 2% for be sure. J

We would like to travel, wouldn’t downsize any time soon… We live off our income, but we save a lot of it too. No pensions (do anyone but government employees get that these days? J) and I hate to even rely on Social Security in future.

Thanks for giving me stuff to think about.