Well, I'm mid-30s, she's early 30s starting new career. I'm ex .mil now .gov and will be buying back 12 years of military service to count towards .gov retirement. When I was in, my retirement plan was do 20 years and invest in the IRA to the limit. I got out earlier than planned.
I'm sure the wife will have a 401K and will max that like I plan to do with FERS.
I guess, I'm thinking beyond the 401K and .gov retirement, I can start maxing the IRA again or buying silver/gold. I'm thinking of 50/50. Let my wife just do the automatic deposits into an IRA and I'll buy coins every few months.
401Ks, FERS, Social Security, IRAs could all be useless down the road. I guess what I'm looking for is if I'm sitting there at 70-80 y/o with a pile of silver and gold (and no kids) will the silver and gold be worth having and selling so I can cruise around the world or something. I'm sure best reward would be stocks and mutual funds. I think I'm just thinking out loud and looking for validation that it would be a wise idea to have some lying around. (along with ammo!!!!)