> What do you expect to be your spend during retirement? If your spend is lower, that target would also be lower, yes?

I think that in large part will depend on what kinds of medical conditions we'll have as well as whether Medicaid is still available in something resembling its current form. Right now, our living expenses are $60k per year, but we could cut that down to $40k and still live comfortably before factoring in inflation.

> Also, the average American family is probably not average 50 years of age, so that may be misleading.

That is a very good point. So far I haven't seen any statistics on how many folks in my age cohort actually have $1 million saved for retirement. Do you know if that's available anywhere?