Net Worth and Retirement Saving Status, 2006 Year End

As discussed in this post, I'm reporting my net worth in terms of months of spending. So here goes:

• Non retirement account savings --> 20.46 months
• Tax-deferred retirement savings -> 79.37 months
• Roth IRA retirement savings------> 11.30 months
• Total --------------------------> 111.13 months

Based on current savings and Social Security credits and subtracting estimated taxes, I estimate my income in retirement based on retiring at the following ages, and stated in terms of replacement of current spending:

• Age - Current Spending replaced
  
• 62 ---- 73.44%
  
• 66 ---- 90.63%
• 70 --- 112.64%

Again, this is based on savings to date. With future savings, I'd like to get the replacement rate well above 100% before I retire, to provide margin for changes in spending for things such as health care and lifestyle changes -- I might want to travel more. I have a few more years to improve these numbers. By the time I reach the age of 62, I expect to be able to have the spending replacement for that age over 100%, provided I can maintain my current savings rates and the stock market doesn't crash.