At this point, you’ve been saving a few years in your employer’s 401(k) plan and you’re builing up some saving in IRAs. Your total retirement savings now exceeds $100,000. You’re probably now working in your 2nd or 3rd job. Your expenses have increased (home, children, daycare, etc). Your biggest task now is to keep saving as much as you can (despite other budgetary pressures) and to invest your savings prudently. It’s the perfect time to run a retirement savings analysis and create a solid plan. You must also be certain your dependents will be financially secure if something happened to you.