Having read this thread along with another that reminds me of our long term financial mess.
RevDisk, my greatest fear is that we will all soon be millionaires. Srsly. This level of government debt has never, ever been redeemed with real wealth. You can be proud of the future-orientation and self discipline your savings plan represents, but don't think for a moment it is safe from the .gov predations. If they can't tax it, direct the investment, or flat-out confiscate it, they will debase its value. As Keynes said "In the end, we're all dead anyway".
I find myself in an interesting duality (not schizophrenia, nooooooo sir). When I listen to the angel on my shoulder, I am a fervent Dave Ramsay type, trying hard to eliminate my mortgage and pile up (dollar-denominated) wealth for my retirement. The imp on my shoulder says "Fool! You're re-arranging the deck chairs on the Titanic!" Depending on the news of the week, sometimes the Imp gets his way. It's so hard when the voices in my head disagree....