from the comments:
"Try to save as much as you can but spend your time on health and family rather than worrying about your retirement goal.
When you get to your retirement age 55 or 65, then plan accordingly your next step based on your savings..
If I have $2.5 M, then I will buy a class M or nice sports car, a beach house, and travel internationally
If I have $1.5, then I might go with Honda or Toyota, rent a 3 BR apartment, and travel within US/Canada
If I have 500K, then I will go for a 2nd hand car, rent a 1 BR apartment, and travel locally.
If I have nothing, then I will continue to work until SS starts
With all above options, I want to make sure to stay healthy and close to the family"
What do you think they will end up with