This is more encouraging and seems a little more realistic than most of the retirement planning tools. Most I have seen tell me I'll be a couple of
million dollars behind at 65. Hell, if I put all of my salary into retirement accounts until I retire, I still wouldn't catch up. I don't plan to move into a Manhattan penthouse! I'm convinced that a loft of those retirement planning tools are developed by college econ students.
What I have consistently questioned is that assumption that we'll need 85% of our pre-retirement income after retirement. Some sources have that number higher. By the time I retire I'll have been totally debt-free for several years, and could probably get by on less than half. Of course avgas could become a significant factor, so I'm still going to sock away what I can.