re: In early 40's, healthy, and plan to work until I cant' work anymore.

To each his own. As far as working till you drop---F that. I retired at 62 on Dec 31st. Best thing I ever did. I get up when I feel like it. I hunt or fish whenever I want. I have time to work on duck blinds, do stuff on my property, go to the camp, or just take it easy. I highly recommend it. Now is the time to save if you hope to retire with ample resources.