Your figures look correct

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However, since we are still on baby step #2 (well actually fleshing out #1 again) we technically shouldn’t even be putting into anything for retirement. However, right now we are doing good to do the 5% and since we are both retirement age already it’s better than nothing. Prior to DR we were putting the max all in 401k (15%), so we at least have some in the bank. We won’t retire rich, but if we retire debt free we should be fine.