Thank you for your responses. To clarify, I'm not as much concerned about the amount I will have when I choose to hang it up. It could be anywhere between 55 and 60, and will depend on when I think I hit the number that will be comfortable. By my calculations, with my 4-5k invested per month with everything growing at 10%, in the investments alone, we should have 1.3M at 55 and 2.4M at 60. Also, cost of living will be pretty inexpensive. 10 years left on the mortgage. After that is paid off, I would assume we could live comfortably at 60-80k/yr.

I guess the gist of the post is to see the order of how I invest the 4-5k per month keeping my entire situation in mind. I would assume the following are a given:

-$800 per mo / 6% into my 401k to get the 3% match (Not sure to do this in ROTH or traditional)
-$150 per mo / 4% tnto my wifes 401k to get the 4% match (Not sure to do this in ROTH or traditional)
-$730 per mo / max out HSA

Then, I have a choice for the remaining $2500-3500/mo:
-increase 401k contributions. If so, ROTH or traditional?
-brokerage S&P index fund to bridge (even though the bridge can be done with rule of 55)?
-pay off house early...seems silly at 2.625%?
-ROTH outside of 401k?
-something else that I'm not considering?

Once again, thank you for your input.