Get a financial advisor. Unless finances is your job, hobby, or desire, just use someone else for this. I use Edward Jones but I would imagine there are lots of good options. They can help you figure out how much you need to save for retirement and give you realistic goals and expectations. You might be better off than you think, or it might not be hard to get to where you need to be when you have someone who can help you figure this stuff out. At the very least, looking to Roth IRAs