I think i would have a similar amount as you. There is so much going on and I think the fact that you need to take out more money due to living costs adds up. Also, you never know what accidents could happen so you have to add in the cost for health insurance as well. I don't think there is any point we could stop without work unless you have over 10 million dollars.
It is funny when people talk about how little people can live off, until something happens. A bit of padding is always good.