That’s not reality. You need to plan for the soft side of retirement as well as the financial side.
The reality is that may not be possible for a variety of reasons.
The reality is Social Security was designed to replace only about 40% of your current paycheck and less if you are a high wage earner.
The reality is there may not be much money left to inherit.
The reality is if you start later in your working career you will need to save more money than if you had started younger.
The reality is that you’re responsible for your own retirement savings, so start saving in your 20’s.
The reality is you need to plan for the soft side of retirement as well as the financial side.