I am an investment dummy and just figured we should save in 401ks and hope for the best (. just have money in mutual funds). My wife is 50 and I am 47. We both max out 401k @ $18k/YR and she just started this year adding the “catch-up” $6k. So; we put $42k/YR away for retirement on a HH income of $250k and have ~$ currently saved. I think that is about enough (just retirement savings) if we keep this pace until age 65 to cover living expenses. But my question is: what about a vehicle to account for the years where one of us may still be working (aka: All things equal I may work 3 years farther in the future than she does) and does that throw a tax problem in the mix? Should we be trying to supplement a Roth or Bank CDs or something to have available hard cash to span this 3 YR gap? Assuming Uncle Sam will punish us for household income while taking retirement income from savings? As a novice I figure if this is needed we better start now as time seems like the only real advantage in all this.