BMC, maybe it's time for a job change? If you're doing what you love, it won't feel like a struggle. If you're not going to be able to afford to retire based on your salary at this job, you could be stuck there forever. You can find something else more rewarding, something where you won't be counting the days until retirement. It may mean a paycut, but trust me, happiness is priceless--it will be worth it.