I'm the 52%er - that's after contributing about $30k to retirement (since we use some savings to pay some tuition, it's basically moving money from non-tax advantaged accounts to tax-advantaged accounts). Already have about $800k in retirement. Plus expect a pension. Plus, we live on so little, hopefully we won't need much for retirement. Still have 20 years to go before kids are out of college. Maybe we'll be dead by then, and no need for retirement?