The actual math for how much you need to save is, roughly: 25 times your annual expenses. At your age, with a US assumption, you have the benefit of Social Se

The actual math for how much you need to save is, roughly: 25 times your annual expenses. At your age, with a US assumption, you have the benefit of Social Security almost certainly providing you a good portion of income at Age 67 (any time between 62 and 70 is reasonable, and taking SS at age 62 is best unless you are very likely to live past 84.) Ignoring SS, if you invest 25 times your annual expenses into a 60%/40% stocks/bonds split, your expenses will be roughly 4% of your investments, so you withdraw 4% each year. Your investment growth (including dividends) may or may not exceed your expenses, but, overall, you should make it 30 years without running out of money. [0] What you need to do is determine your expenses (including Disney trips), and make sure you don't exceed that budget once you stop having income. (Of course, you can and should adjust if things go better or worse than expected when you're retired.) [0] https://en.wikipedia.org/wiki/Trinity_study https://en.wikipedia.org/wiki/Trinity_study