Nice car and cell phone perks, but I really only care about how much you DO invest. With the house about to be done in 7 years (when you'll just be 50), I say keep at it. You're investing enough to attack the house too, and since your wife owns a business that currently doesn't pay her anything, you need to eliminate debt.Let's break it down.At age 43, you've got $75,000. That's not a ton, but let's see what a reasonable stance from here on out does.I'll make a guess that your employer match is 50 cents on the dollar, so that would be $6,000 for you and then a $3,000 match for $9,000 a year going into it.2 Roth accounts. One has $10,000 in it. The other I'll assume NO VALUE just to be conservative and see what $500 a month does.I'll assume NO more money into the Roth that has $10,000.So, we add it all up and you've got about $85,000 now and will invest $15,000 a year in 401k and Roth 403(b) accounts.Yes, I think 8% is a reasonable amount. Mutual funds have done closer to just over 10% since inception, and so 8% is reasonable. You should be well-diversified. The stock portion of your funds should be even distributed this way - growth, aggressive growth, growth & income, and international type funds. At age 43 you should have some bonds, no more than 20%...I'm 45 and have 13%. When within 5 years of retirement, you should do 30% bonds and then in retirement either stay at 30% or up it to 40%, OR if you're VERY happy with the balance, go even a little higher.Milestones at 8% annual return:Age 50 - $290,224.47Age 55 - $521,473.90Age 60 - $861,255.19Age 62 - $1,038,264.05Age 65 - $1,360,505.36Age 67 - $1,620,589.46So, you won't have a million dollars at this rate until you are 62. 4% of that is $41,530.56. That's not a lot. You will be able to add social security to it if you're an American, and for you that will be about $33,000 a year in future dollars or there about. When your wife turns 62, she adds hers, and the minimum it will be is half again of yours, so that's another $16,000 or so per year. All that together is $90,530.56. If you're debt free then and own your home, that's not horrible.Make it better by doing this at age 50 when your house is paid for:Max your 401k with your company match AND your "catchup" option for being over 50. It probably goes up, but let's assume it's the $17,000 = $5,500. Then also continue the $6,000 in the 403(b). That's $22,500 + $6,000 for $28,500.New milestones with the new amount after age 50:Age 55 - $628431.75Age 60 - $1,103,946.39Age 62 - $1,351,665.47Age 65 - $1,802,633.41Age 67 - $1,2166,614.01Retire at 62 and take 4% ($54,066.61) then add likely SS of $33,000 for you and $16,000 for your wife. That's now $103,066.61. You could probably make that work.Pay that house off and up your contributions by age 50 and you'll be able to make it work brother.