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Alot comes down to personal lifestyle choice, for example my parents saved quite a bit, now in their late 70s they still have the freedom to whatever the choose to do.
For example, They had owned their home which I grew up in, but after Katrina the refugees that moved in the area made it go downhill and now is one of the crappier parts of Houston. So even though when they retired had no plans of ever moving they decided to move to a much nicer(safer) area and had the money to upgrade.
When they moved it's a gated community, so they decided to buy a golfcart, again never planned for it, but had the means. Now in their new community, they take a number of trips each year with the other retired folks there, never planned it but do have the freedom to do it.
Their life wouldn't have been the same without having the means to roll with changes and so I want to make sure I have enough to have that freedom when I retire.
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Looking for Opportunity! 
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