I review my personal situation every 12 months or so. The DC plan is only part of my retirement strategy so I can't say what a stand alone projection looks like. I think it is nuts if others are not doing the same thing.

I've been very fortunate that the crappy stuff in my career happened early which is not to say more crappy stuff couldn't happen but I won't be surprised if or when it does. Getting furloughed and watching every major airline go into bankruptcy and countless others go out of business (including three I've worked for) was a lesson in planning. I really feel for those who will not have a chance to make up for the mistakes made by the hacks and crooks who used to run airlines.

So, if you are reading this I highly suggest talking to a financial expert about your saving strategy. It can be eye opening...hopefully in a good way.