We have money going into retirement (about 12% of our pay, matched by our employer). We also have Roth IRA's with a little money (less than $10,000 total). However, the money we save out of our take-home pay no longer goes towards traditional retirement. We are 27 years old, so we will not be able to access that money for more than 30 years. We are hoping to retire much sooner, so we are investing in real estate. We have purchased our first rental home and after the mortgage, insurance, and taxes we are bringing in about $550 extra per month. Some of that will be used for repairs and such down the line, but we are hoping to keep those costs low since my husband is very handy. Hope that helps answer your question, feel free to ask more.