re: Goal for retirement savings as a ratio of salary

quote:

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primarily the increase cost to build a home where I plan to retire.

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I'm not sure I'd include this in a normal retirement savings. Retirement savings is usually for income.

You should hopefully have a good chunk of a home to sell also. But you also generally don't need as big or nice of a house in retirement as you do prior to when you retire. You may buy a bigger home, idk.

I also really don't understand why people completely plan on just having $0 in income. Lets go off of that $150k/ year. You and a spouse could both work part time jobs and make $30-50k a year very easily, no stress, and take all the vacation you could ever want. That for 2-3 years while you are young and active and capable and it gives you a lot of flexibility.