I honestly don't think too deeply about this. I'm not at the age where I need to maximize an optimal retirement plan (of course the earlier the better). I just hope that in the end everything will work out. I'd rather focus on growing as a person now than much later in life. Compound personal growth is my focus instead of the monetary kind. A lot can change in 30 years. Maybe I'll find an alternate stream of passive income given all this free time. Maybe I'll die in 5 years. Maybe I'll find myself living a happily extremely frugal retirement in a rural area. Or maybe I'll just continue this way of living until 80.