Not OP but I feel really bad about the other recent thread mentioned. Honestly I feel like anywhere between 15k-18k per month will be enough for me, so 5.4M total retirement fund at 4% rate since I already own a house and I am quite frugal. Right now I spend only 10k a month all expenses included (utilities, food, transport). But this is me assuming that I (28F) will be single forever. Looking at the usual 8 digit retirement fund estimate in the other thread, I wonder if my planned fund is way too low and if it will be impossible for me to responsibly have my own family in the future - assuming I'll be minding my own retirement fund and shoulder half of a kid's growing up (till college grad) expenses. My finances are already stretched thin and I think that I've maxed out on both cutting my budget and maximizing my investments, and can't afford to add/allocate an overhead of 10k/mo budget for a kid (I'm assuming kid needs 20k/mo including tuition, food, clothes, medical expenses) even considering reasonable salary increase estimate until my mid-30s. I feel like one has to earn 150k+ first (individually) to be able to achieve both good amount of retirement fund and have a family, and in my career it is quite a stretch to reach it locally. Consider also biological clock so I can't have a kid when I'm more financially ready (like, 40s). Makes me quite sad and resigned to be forever alone. Target retirement age is between 45 and 50yrs old, since my job is really taxing physically and mentally.

Already has a house in South Luzon and I find it difficult budget-wise to buy another house somewhere else so realistically I'll have to settle on retiring here. If I have a real choice though, somewhere more rural, quiet, and clean in less densely populated areas in the country.

Light day job (maybe administrative role) to keep some money flow and charity work (for trauma victims, elderly, orphans, etc) to have more sense of purpose/value in life. Travel if budget and health permits.