Before I get into why you would want to stop contributing or why that might make sense, I first want to talk about why you would want to continue contributing.

For many of you -- and I would put myself in this boat as well -- it would be too scary to sit there and coast and say okay, I think I've built up enough, now I'm going to let compounding take me the rest of the way here to retirement. I like being in more control than that rather than relying on returns.