You are not alone. Better perish the thought of ever retiring. You didnt say how many kids you have, but setting aside $1m each would just about made it. After that, you may want to consider downgrading or migrating to a third world country where the cost of living is more affordable.

You can tell it is tough from seeing most of our former ministers and other industry leaders who after finishing one career moved on to a second or third careers well into their advanced age. This, coming after earning high incomes during their prime, is a good indication that you do need a lot of money to live well here. So, consider it as a never ending marathon.