Experts are saying you should save 3 million in assets if you plan to retire at 65 and plan to live until 95. If you are saving 30,000 for 35 years you saved 1.05 million and for 40 years you saved 1.2 million, 40% of the mark. To hit the mark, you need to save 75,000 for each of 40 years. Saving money is harder than ever in a volatile and uncertain world and inflation or a bad investment/trade/market or a medical problem could sink your whole retirement. Good luck!