It's funny when you start to realize hey I am getting old. I should really think about retirement. Then you can't seem to pay things off fast enough. I just started an 8 yr plan to pay the mortgage off. I have a leased car that I will replace with a purchased car in a few months. Still should be on track. All the other toys are paid off. Starting to hit the Roth harder as well. IRA from my old job and 1 from current job. Which are still hanging in there. Hopefully it will be enough when I retire at 72. LOL.