I guess most posters are planning on retiring at 60+? Must be difficult to save 1-1.5 Mil before that? My own sums show a seemingly healthy fund equivalent to a couple of Mil, but appearances are deceptive. With various govt surcharges and income tax, it works out at a few thousand a month for 30 years ish. Not actually a lot to show for a 35 + year career. Options include staying abroad in a low income tax country, but I guess most ex pat retirees are looking forward to returning home?