The bolded is such a good point! There was a recent thread around here somewhere where saving for retirement was discussed in relation to college costs and student loans, and there seemed to be a pretty general consensus that
"Nobody starts saving for retirement in their 20s anyway". I think its pretty smart to try, if you're able, as we've seen here. It was sheer laziness on my part that I didn't sign up for payroll deduction toward retirement a few years before I actually did, which was still in my late 20s. I've had money taken out weekly that I've never seen ever since then, and it's grown pretty nicely. But I did waste a few years at the beginning, and that was dumb on my part. I'm talking to my kids about it so they can get started early when they begin working full time.
To answer your question, I can't say I'm uncomfortable. As I mentioned before, we've got funds socked away, and honestly, I'll probably be one of those nutty people who wants to work a bit into retirement because I enjoy helping people and it's part of who I am, not just a job. I might as well get paid for it. DH and I have a few things in mind, too, that we might like to do (for fun) which could supplement our income, and if we stay put we'll also have a rental income. I'm not too worried about SS as it seems to still be working. Medical expenses, yes, those can be astronomical. But I'm also optimistic that those can be contained, and having the knowledge I have about disease and illness can hopefully help us keep costs to a minmum. I also don't anticipate we'll be traveling the world or otherwise having a jet set lifestyle, lol, so what we have we'll more than likely make work for us. I think combining households is something that used to be done more frequently, but we somehow got away from mid-century. It seems to be coming back as costs have risen so out of control in many places. I don't rule that out in the future, either. So there are different things that can be done besides having millions of dollars in the bank.