Don't let financial experts scare you. It's in their interest to persuade you to save more money than you really need and hand over your nest egg for them to handle. Then they can skim off 1 or 2 percent as a profit every year.
Do you need 100 percent of your pre-retirement income to retire? That may be an option for corporate executives who leave work with golden parachutes. But it's not realistic for most of us, nor need it be. You can retire on a lot less, and most of us do. As a recent retiree told me, "I have half the income. But I also have half the stress, and I'm twice as happy."