This is the biggest issue that I find. When I was younger they said if you retired with $X it would be enough but inflation really changes that. The USD is worth less each year and that trend will most likely continue as the USA funds more wars it can't afford and printing money. It kind of reminds me of Argentina in many ways.I think all of those things are totally subjective. Also, with inflation a buck isn't worth what it was used to so I doubt these are too accurate. But I see various things online and I usually shake my head. However, I read that many don't have anything besides social security. I'm not sure how they get by.