<prompt> Human: I put together a simple retirement calculator for my retirement in excel. I took the amount I currently have in column A, in column B I added what I contribute yearly 1.5 every year to assume increases in retirement savings every year from raisespromotions, etc.. I then assumed a 6 annualized return on that money which I feel is fairly reasonable to expect. Doing this I should have roughly 4 million dollars by the time I hit 65. Assuming 4 it would be 2.4 million which IMO would be worst case scenario. Is there something I am not considering? To add to this, at what point do you feel like you can leave your investments on autopilot by this I mean not aggressively trying to find extra money to throw at retirement and increasing your fun money.  <response>: Looks reasonable. Are you considering the impact of inflation ? If you are 25, you might want to look at inflation over the last 40 years to take a guess at what inflation might be like over the next 40 years. 