<prompt> Human: Fidelity and others recommend particular savings targets e.g., 4x salary at age 50 that seem a little off for the recommended end point 8x salary at age 67. Are these recommendations factoring in getting a lot more risk averse as you approach 67?Using dinkytown, even though Im under the recommended target for my age, with my current employer-sponsored retirement account, even if my returns were like 2 a year until 67, I would hit and even exceed the 8x salary goal.What are these simple dinkytown calculations missing that Fidelity et al know?  <response>: The recommendations probably include certain assumptions about Social Security. Also, realize that most Americans have very little saved. So Fidelity may have wanted to make them seem more attainable.If you talk to someone with 0 in IRAs401ks at age 50 and say you need to save 1 million in the next 10 years theyre just going to be discouraged. 