1) i’m a programmer/analyst type with a background in civil engineering.
2) i don’t have any sort of retirement alternative. which is why i didn’t have any response for your query. i do have a paltry 401 that i quit contributing to after my employer quit. i’m also simply saving cash, ostenstibly for a home purchase. beyond that, my retirement goals are 1) have children who are smart, educated, skilled and wont dump me into a gutter (the 401c plan; have 401 children) 2) be independently wealthy either through size of bankroll or moving to singapore. or 3) die young. 65 is pretty young these days…
