"How much you need in retirement depends on your EXPENSES, not your income while working. Frequently, retirement needs are about 30% of working income because (1) the mortgage is paid off, (2) the kids are out on their own, (3) you no longer need to pay into retirement accounts, and (4) you no longer need to pay social security taxes."

JWR, I've been retired over 4 years and find what you say is true.

Joe