<prompt> Human: Using an excel sheet, I have calculated my retirement nest egg at 65 based on past annual contributions and future ones.By the time myself and my future wife are 25, we will be maxing both 401ks, maxing our HSA, and maxing our IRAs. Our only debt should be a mortgage as well.Using this value for future contributions and not adjusting for future contribution limit increases, salary increases, stock bonus contributions, catch up limits, etc and assuming an inflation adjusted annual increase of 7 and using the 4 withdrawal rule in retirement; I am coming up with, after taxes, our annual income will be 250k not including SS. This is all in todays dollars too. I dont know what I would do with that cash. If we die in our early 90s, we will have an annual income of 650k and be passing on an estate worth roughly 50M. Is that size of nest egg typical? I am worried I will get to that point and regret not spending more when I was younger. If anyone can relate or offer insight, that would be great.  <response>: By the time myself and my future wife are 25, we will be maxing both 401ks, maxing our HSA, and maxing our IRAs. Our only debt should be a mortgage as well.I suspect your assumptions dont reflect your current situation and are largely hypothetical. Do you currently have children andor a mortgage? If you have a mortgage and no children, but might have children, would you need to move to a more expensive place better school district, more bedrooms, etc? Also, no ones life moves forward in a straight line. Someone might go back to school, be laid off, couples separate sorry, move to a new city for career opportunity, health problems... But if your current problem is denying yourself so much in order to save for the future, hypothetically thats not very good, but its hypothetical. 