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I like the idea of setting three different monetary goals to reach based on the minimum and maximum amounts you might need. There are a lot of unknown variables in my life right now though.
And I should define what 'I' mean as retirement as; "Not having to work at a 9-5 job, or need to be employed by someone else". I have hobbies and ideas that I would love to work at and start a business. But, I worry about not being able to make $20k a year at first, and I would rather not lose my house. And finding time to do both is very hard. Yet, at the same time, not being able to control your own schedule is getting annoying to me... I like the concept of working hard for one week and relaxing for a week or two.
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