OK, people, worry less about $$ and more about your body and your mind. After a certain point, enough $$ is enough (and it's less than you think): a roof, decent food, friends, family, maybe a trip every year or so. Chances are you've already bought almost everything you could ever use. Get a library card. And focus on enjoying the world in ways that keep you healthy and mobile and alert. There's enough walking/reading/biking/whatever, music, and sharing simple meals with friends to take up a few lifetimes, without ever requiring a million bucks. Don't let the retirement industry trick you into over-saving and over-waiting.