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This is a fairy tale. "At least 25 years to retirement?" That means you are only 30 years old. Holy snots! You actually deserve criticism for even worrying about retirement when you are only 30.
You deserve credit too, but most Americans are living hand to mouth right now. Pray to God that this economy will not continue, and just keep saving.
You are lucky. Most Americans cannot afford to save. We need all our income just to keep going. Living happily ever after is a fantasy for most of us.