We’re 47, naturalized citizens and have $575,000 in IRAs — how are we doing for retirement?

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We’re 47, naturalized citizens and have $575,000 in IRAs — how are we doing for retirement?
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Have a question about your own retirement savings? Email us at [email protected]

My wife and I are recent naturalized U.S. citizens. We’ve been here since 2006 and have so far accumulated about $300,000 and $275,000 in IRAs. Except for a car loan with about $9,000 remaining and $125,000 we owe on the house, we pay off all credit cards each month. We make about $175,000 between both of us. Both aged around 47. No kids, no parents, though both of us help out our extended family members financially. 2.

Consider a few other aspects first though. For example, assuming you stay in this house into and through retirement, what is your interest rate on the mortgage? If you were able to get in while rates were low , that’s excellent, and definitely a point toward not accelerating a payoff. Not all debt is “bad debt,” unless you struggle to make the payments.

Now, for the long-term care question. I’m glad you asked. Long-term care can be very expensive, and not everyone thinks or plans for it. The younger you are, the better prepared you can be.

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