“We make $400,000 with salary and investments a year and are both government employees.” (Photo subjects are models.) - MarketWatch photo illustration/iStockphoto Dear Help Me Retire, I don’t believe I am in retirement trouble, but wonder if I can do better. My wife and I are both 37 with a combined 401(k) balance of just over$300,000. We make $400,000 with salary and investments a year, and are both government employees. I have 22 years left until I can claim my pension check. But by then, my governme ...