I really think you have to understand your individual or couple dynamic well to judge what a retirement would look like. If you can not tell me what your monthly written in stone expenses consist of I have little faith you can survive the long haul. Retirement education is “out there” to be looked at and considered…but is worthless without understanding yourself. None of us can predict a future…but I can make stone soup for the foreseeable future to make emergent expenses doable…and that makes a difference.