Our goal is to have the majority of our mortgage paid off, no other debt and we have a Plan B where we are working as independents and should be in good shape. Our Plan B is my current full time employment and my husband's side job. We both love it and retirement just doesn't sound like us...working and contributing are just who we are. "Retirement" will just allow us to work from wherever we are on vacation and travel and helping people we meet around the world.