(MONEY Magazine) – Since their son Daniel Jr. was born last August, JENNIFER AND DANIEL BENT have had little time to think about retirement. But that's no problem. Thanks to good savings habits, the New Orleans couple can safely stay on cruise control for now. Jennifer, 33, who sells pharmaceuticals for Johnson & Johnson, contributes 8% of her pay to her 401(k) and gets a company match on the first 6%. Daniel, a 34-year-old oil trader, puts 5% of his pay into his 401(k). The Bents have also pinned their hopes for the future on a rental property they own next door. With the mortgage scheduled to be paid off by their son's 12th birthday, the rent can help pay for college. --M.J.P.