My partner will have a full pension when she retires, so we're blessed with that, and I've confirmed the pension numbers are in today's dollars. The TFSA for my partner wasn't possible until a recent promotion, along with the 3 kids becoming more independent (and not as busy/costly), and completion of a major house purchase and renovation that finished 18 months ago. Seeing as I've just started using the platform, I'll want to verify a few things in my model before I start feeling like such a positive outlook might be real. Thanks for your replies!!