MarketWatch
First, kudos on being in your 30s, having so much saved, thinking deeply about your financial decisions and really keeping a pulse on your retirement security. With the country moving in a way where private sector pensions are being phased out, Social Security is in the midst of some sort of change (Congress has never let it falter, but it does need help at the moment) and retirees being mostly responsible for their own retirement income, the sooner workers think about the finances behind their retirements, the better. You’re 38, so unless you plan on retiring substantially earlier than a traditional retirement sometime in your 60s, you likely don’t know what your expenses will be in retirement.