At what age do you want to retire? What will that retirement look like? Everyone’s vision for FI is different. Some retirees wish to upgrade their lifestyle upon retirement, such traveling more, buying a nicer home, or purchasing a sailboat. There’s nothing wrong with this, but it will require more money at a point in life when less is coming in. Most millennials in the FI community, I think, imagine a continuation of a life we’re already living, which requires maintaining, as opposed to augmenting, one’s expenses.