My husband and I have paid off all of our debt (except for our mortgage) and saved an emergency fund covering 4 months worth of expenses. We’re both contributing 10% each to our retirement accounts and believe it should be closer to 15% each. Is that correct? If it is, should we contribute to a Fidelity target date fund or the Fidelity 500 Index Fund? I think the main difference is that we can withdraw from the index fund at any time but not the target date fund until we’re 59.5.