You can either see this as "I can't afford to retire" or as "I've let my spending get out of control, and need to course-correct". If you ever hope to retire,

You can either see this as "I can't afford to retire" or as "I've let my spending get out of control, and need to course-correct". If you ever hope to retire, you must reign in your lifestyle creep versus your real post-savings available income. If you're not saving enough, you are living above your means. This is fixable, but it will hurt. That said, most retirement calculators overestimate your retirement expenses. Estimate what your expenses will be and plan for that. (And treat interest as inflation-adjusted so you don't end up down that rabbit-hole)