As a retiree, I am OK with a high income and low expenses. If you are a married couple with young children living in an expensive area, yes, you might need a lot of money. But once you have a paid-for house, and only yourself to take care of, you can do quite well.
So you're saying that young married couples who have a young child - and are perhaps planning on having one or two more - need only tighten their belts for approx. a quarter of a century.
Thank you for your invaluable insights!
Regards,