Not really. If you already are at 75 days, and at an average market return of 7% you would be there in about 23 years. That is without any additional savings. Since your bonus and some back pay let you max out your IRA, tIRA and wipe out a debt of 23K I am guessing you could get there much, much faster. If you save for an additional 16 days each year from now on you should be there in 10 years. You’ve got to love compounding!