A.) Time to retirement
B.) Planned quality of life
C.) Current savings
D.) All of the above
Simple answer- D!!! All are equally important.
Time to retirement allows adjustments to be made, whether you are talking about adding or subtracting what you are saving, supplementing your income so that you can retire earlier.
Planned quality of life- what are you gonna be doing? If you sit around you won’t live as long as if you are active. Own, rent, or move to retirement community.
Current savings- are you saving enough and is your savings earning the highest rate of return possible? Do you also contribute to an employer sponsored savings plan?
One thing you forgot about is Inflation! What will your nest egg support ten, fifteen, twenty and more years down the road? Your lifestyle could, significantly effect your nest egg.
Each and every one of these must be taken into account if you want to be sure that you have enough to support you during retirement. Hope this has helped.