re: Am I Over Investing for Retirement at this point?

Wow.

Let's just get to $100K by 40 in a couple of years.

Believe me, I'm not being critical of your post or your question. You've begun saving well. But as others have pointed out, you're still in the very early stages of retirement planning. You haven't experienced enough of the ups & downs of life and finance, that most certainly will hit you at some point, to think that you're "over investing" right now. No one will ever take points off your score if you end up with too much money.

Younger people frequently ask (on here and in other places), "how much should a person have in retirement savings at this or that stage of life?" Well, it depends. The main thing it depends on is what will your NEEDS be when you decide to retire? Being able to retire (early, late... or never) just means that your financial needs can be met without you having to work every day, right? Too often, I hear or see people throwing out some generic net worth or portfolio value number, like a million dollars or two million dollars. Those are just made up numbers that typically don't take into consideration what the assets consist of or how much income is being generated by those assets. And as for expenses, if you have two ex-wives (alimony), four kids who want to go to Harvard Business School and/or Johns Hopkins Medical School, a taste for Porsches, a sugar baby girlfriend with expensive tastes, a desire to travel the world at retirement and a history of heart disease or cancer in your family (looming medical bills pre-Medicare), you might want to get used to rice and beans if you want to retire before turning 65.

But if your expected expenses at retirement don't include a house payment, car payment(s), ex-wife payments, child support or educational expenses, you can find affordable health care insurance, you live in a lower cost of living and lower tax area, etc., etc., you can factor in inflation and come up with a ballpark monthly expense figure. And from that, you can figure a necessary monthly income. And from that, you can back your way into what your portfolio and alternative assets will need to generate, once pensions and other likely income sources are factored in.

I'm 3-5 years away from retiring early. This is the exercise that I've been working through for several years. But I began building a real estate and investment portfolio in my 20's. But like most younger people, I didn't know to think about reasonably expected future expenses back then. I just blindly socked away money, bought properties (and yeah, threw away money living it up) and thought about what I wanted my net worth to be at various stages of my life. That was the go-go 80's mentality. Although it's going to work out for me, that's most certainly not the wise or logical way to do it.

Sorry for the overly long post, but in addition to maybe talking to a financial advisor at some point, let me also suggest that you begin listening to Bob Brinker's Money Talk on Demand radio program. He offers a lot of solid, no nonsense financial and retirement advice.

Keep doing what you're doing. Sounds like you have a good financial mindset.

P.S.: Stay away from strippers and Porsches. They're both equally expensive to "own" and maintain... or so I hear.