According to that article, I'm above average and will stay above average to retirement. That is only 401K, and that should not be your only basket. If the market crashes and you lose half, what are you going to do? I also have two pensions that hopefully will be there when I retire, plus I plan to go into retirement with few bills.
I spend 10% or more of my income yearly on hunting and other hobbies. I'm not working now just to retire some day. What's the point if I'm not enjoying life along the way?
I too believe you have to live a bit or more before retirement. My dad was a head of average when he passed at 58. Still had lots on his want to do list. Likewise, some of the stuff I want to do in life isn't all that possible or fun when I'm retirement age.
