If it ain't broke don't fix it. I'd like to make Scott over by suggesting he tear himself away from his computer computations. Go out to a ballgame. There are two things he needs to do to make his plan work. First, Scott ought to check out his disability insurance.
Nothing kills a good plan faster than the inability to earn.
His retirement nest egg is based on another 20 years of contributions. He can't take the risk of disability. The other thing that will kill his plan is the cost of college. Scott needs to save a few dollars a month in a tax-advantaged college plan. This will give him something new to worry about and send him back to his computer to make sure that the baby also has a future.