Guess it all comes down to how much you think you’ll need and what you’re willing to pay to get that. LOL was my line in the sand and since we got everything we wanted, I don’t see the need to stick my hand back in the cookie jar for more. I wanted to be out of the subsidizing my disability insurance, not paying more every month for it. My take home is 65% gross…VA and sick bank top off can get me close enough to that…NEC as cash is a bonus if I don’t want to invest it elsewhere.