As I've seen my SEP decline over the past three years, I haven't worried about it too much, because I doubt I'll be able to retire.
God took care of my retirement concerns by blessing us with our third child ten months ago. By the time Nathan graduates from college, I'll be in my 70's! Accordingly, I have renamed my SEP 'Nathan's Beer Fund'.
My brother could have retired from the RR a couple of years ago. I asked him very seriously what he planned to do. He's still on the RR. I retired from the Army years ago and took a year off. Gets old real fast. I've got a place to go 3 to 4 days a week. If I didn't have that, I'd deliver auto parts, or somethin'.