I hope I don't come off as sanctimonious since I once thought I would never be able to save enough to retire. I thought, knew actually, my parents generation had it much better with plenty of jobs and pensions for when they stopped working. I decided to do what I could fully expecting social security to be bankrupt when I needed it. I still am not sure how that will play out since I'm not collecting yet but I started saving earnestly some 30 years ago, weathered some tough market swings and still came out ahead. The stock market is really the only way to generate enough wealth to beat inflation unless you have an inheritance coming your way. There is plenty of useful, free advice to assist you on your journey. I recommend the Boglehead forum as a good place to start. As you close in on your retirement goal reduce risk and expect market volatility. So live below your means, save as much as you can, don't pay unnecessarily for financial advice and stay the course. Nobody knows the future. I mean this with great sincerity.