M$D: October 10, 2041
Meet CJ.
CJ’s main concerns, in his words: 
We are an early 30’s married couple that is looking to have kids soon.  We have a house, but we are looking to upgrade that in the next few years as well.  I got a late start to my career so I wasn’t able to really start saving for retirement until I was 30.  I am on the tail end of student loans (about 5 years left) that I have from pursuing my MBA.  We are finally saving how we want to, but are still not sure if it is enough for all of our needs.  We each have a 401(K) and are putting 6% plus an employer 3% match.  Combined gross income is around $125,000.