I have read similar advice from many money mangers but never really figured out why I would need my current income to retire on if I live on less than a third of my current income now? Plus everything I own is paid for, my current company retirement, which is made and maxed out, will pay me about half of what I make now, I have retirement accounts and savings and income producing cattle etc. Granted, illness may strike, if illness strikes me and its bad I'll just croak instead of pay but if it is my Wife I would pay. Otherwise I don't get the need to match my current income in retirement, I mean where does it end, how about if a persons income substantially increases 3-5 years before retirement?
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