[monoflo]

My take is you need less than the "experts" tell you when you retire.
I've been out 10 years and have a larger savings nut than I did when I left.
One big key is have minimal or no debt. At least for me it was/is. Where one lives is a big deal -Illinois where I am has horrendous Property Taxes that depress the value of your property in comparison to other States.
If one has a spouse make sure to do some figures as to what the death of one of you does to the budgets. That SS you lose can hurt and the single tax bracket does no favors.
Many guys i know have trouble paying themselves. Took me awhile to get that one.