please dont take the advise of a bunch of strangers on this..get yourself a trusted financial advisor who can show you all the options available and who will tke these dreams of your into account and show you how to make them a possibility..there are so many options available today and so many tax laws that go with them..do it the right way the first time..you only get one chance

Try a Roth IRA. You can't withdraw the interest until you're retirement age, but you can get all your deposits out.

Have you checked your life expectancy? If it's 90, can you make enough in the next 20 years to support yourself for 45 years, with inflation? At 4% inflation, if you need $200K/a year at 45, you'll need $400K at 63 and $800K at 81. That's a lot of money.

Go to your bank and speak with a financial adviser. They are there to help you set up things like that. You can tell them all the details you don't want to share on line ya know?

Talk with a financial advisor. I am 46, retiring in 2009. It can be done.

There are a number of IRA funds, you specific situation dictates which are best for you.

Despite what most people think. You can start withdrawing from an IRA before 65 without penalty. Again talk with a good advisor that you can relate to and truse. You might need to "interview" a few until you find the right one.