If things goes the way I planned, then as I get older, I’ll be able to save even more every month. Retirement has nothing to do with saving. I have accounts set aside for retirement. I was just trying to show how a little amount of money, like $1k/month can become millions if you have time on your side. Since you’re talking about giving the house to your kids when you die, that’s where I got the 65 years from. I’m 26, 65 years = 90. That’s when I estimate I will die. If I can just save $12k/yr for my heir, i’ll be passing millions to them. That as my point.