A few years ago I was in a job that was unstable, and then had our finances cut almost in half due to hubs medical issues, all with a big mortgage looming. Everything seemed pretty dismal until we distilled it to the easiest answer: pay off all looming debt as aggressively as we could, and live well below our means. Fast-forward and in 6 months we are on schedule to pay-off the remainder of our debt (mortgage and car) and then we can live comfortably on hubs disability pension. I have a stable job I want to be free of now, but we have reduced spending to the point that my entire salary goes to paying off debt plus some of H's disability pay, so we know that when that burden is gone we will have more than enough. The simplest path (for us) was to need less and work with what we've got. We have the benefit of a secured pension, albeit H will have further medical impairment down the road. We have traditional 401ks and Roths, but we shouldn't need to tap into them for many years. I've started getting into the "mrmoneymoustach" advice, and have started moving some of my investments per their recommendations, but our plan is to reduce needs to fit the pension and not rely on draws from a brokerage account. I'm hoping to retire (really just resign) in January of next year, which will give me a small annuity in the future (plus our additional retirement accts). Basically we budget from the disability retirement (military) pay and we are counting investments as bonus.