I think retirement is a pipe dream...

the company my mother in law worked for had a pension. they decided to get rid of it, so employees had to take the lump sum that they had acured. she had worked for them for 30+ years. she didn't know what the right thing to do with the money. that's when they decided to get a financial advisor. he gave them his advice (don't ask, because I don't remember). he asked if they didn't mind, he would look at my father in laws money also. he agreed. a couple weeks later he called my father in law and asked him why he was still working?
they both continued to work for another 5 years.
I don't know how much money they have right now because they do spend liberally. they usually pay for our family vacations each year, etc. me and the wife have the only grandkids, her 2 sisters never got married or had children.
when they do pass away, I am hoping they saved enough for the grandkids at least (and enough for me and the wife to pay off our house lol)..