<prompt> Human: Im becoming torn on retirement savings. Im 32 and at my current savings rate, Im projected to have approximately 3.6 million at age 62. At this balance, I could take out 4 per year 147K and never run out. The common narrative is to save as much as possible for retirement. I obviously do not need any more than 147K per year and wonder if trying to save more is unnecessary and selfish. On the other hand, I could spend more money on experiences and vacations and fun things for my wife and kids and give more money away to charity now.Any thoughts or other perspectives?  <response>: The common narrative is to have goals and save to reach those goals. 