thanks mephisto for sharing.
my initial thought would be : are you aware that the 140k will be reduced by inflation ? In 30 years from now ( don't know your age ) this will be only 30-35(!)K in real terms ( 2.5% annual inflation rate). Plus your 6% might be possible, but if you look at the average return of stocks of the last 10 years( 2008-1998) you probably would be below that value. What if your house needs a new roof in 25 years from now ? Or you might have to pay college fees in 20 years from now, while you might be struggling with paying for your divorce at the same time ( not that I wish you that of course). What if inflation goes up to near double digits, not unknown of in the past ? Also you said you expect your money demand to decrease with age, well 55 is not that old plus you have nothing to do anymore. Don't know 'bout you, but I spend the most when I am off work or on leave..
rgds