So what! If you have the money and you enjoy the time; you don't need to anymore look at savings. Enjoying life is what you need to be doing now. If it involves a new boat and you have the money then get a new boat. I'm guessing you're kids (if you have any) are all well on their own and fully self supporting. If you're concerned about a legacy get prepaid college for you great grand kids and enjoy the rest. If don't someone else will.

Just my 2 cents.

BTW, retiring is a new mindset for me too. No longer do I look for a way to "make money". Oh it would be nice but the time trade isn't worht it anymore. If I'm lucky enough to hit 70 then that's one lottery won and time to enjoy the rewards.

Go Slow
Sail Far
Stay Long