or you could go back to work if need be, right?

Whoever came up with the notion that 50 years in the workforce is enough hasn't studied history much. From where I sit, that is not a realistic expectation. I've seen far too many "retirees" who thought that saving a million dollars was going to be enough to get them by the rest of their lives, and end up working the door at the local Wal-Mart, or mooching off their kids, or the community. So long as I have breath in me and the ability to reason well, I intend to continue working for a living. When I am no longer able to produce, I expect to be put out of my misery, one way or another. I never had any expectation that I would be able to quit working and coast to the end of my days. I don't care if I do end up with a million dollars in the bank, or more, there's no point in stopping if I can continue doing what I am doing. I may not be able to take any of it with me, even if I manage to have some left over at the end, but at least the surplus will do my family some good, if I am smart about how I do that.

I intend to earn my keep right up to the last, and my hope is that when I do finally go kaput, it is quick and as painless as possible, preferably while I am sleeping. Plenty of time to take it easy when you're dead, but that's just me.YMMV.