I think retirement is a pipe dream...

The wife and I made some terrible financial choices in the first 15 years we were married, and we'll probably never catch up to have a decent retirement.
Thats said, her parents made excellent financial choices in their 45 years in the work force. Both always put max into 401ks, etc. My Father in law worked for Shell and when they did pensions, one of the things they did was also give him shares of stock and he also bought a lot of extra over the years. So they are both retired at 62. My Father in law could have retired at 55, but worked until he someboby finally ticked him off.
So, long story short, my in laws are my retirement plan. His financial guy told him that if they lived to be 90, they would have $27M, i told them i wasn't greety, and I'd be ok if they passed away before that (jokingly of course)....