You don’t even have to save that much. I spent my 20’s putting away 7-10% and was on track to retire early. Then life happened: I had to do an emergency withdrawal and could not contribute anymore. Then I lost half the remainder in a divorce. Now I’m approaching retirement age wondering how long they’ll let me work

Anyway, not trying to one-up anyone’s misery, but wanted to make it clear that even starting off right with retirement savings isn’t always enough.

I’m in the US so of course it was a medical emergency. Even with “good” insurance, it was a financial disaster