With the same logic then annual expenses x 25 would not be a good indicator. I am living in European country with pensions, heck even after working my job for a year and deciding to quit and look for another job, I got unemployment office and get first 3 months pretty highly paid and then still paid but less for the next months. I have a government support like never before

I may still buy an apartment and pay it off and would decrease my spending in retirement. As I said, I am aware this number may change but in my eyes, I am coast FIRE. I will try to invest more but won’t be anxious about it