SDE, you got some really good advice below. You know I always heard the 80 or some percent rule before I retired but I feel that is a really miss leading approach. You need to understand your expenses now and what they will be in retirement. Everyone is different. Of course that was all said below.
What I would add is Fidelity has a good modeling tool that I have found to be pretty good. It also takes into Monte Carlo models to give you probability percentages. Other investment houses also have modeling software. I had done my own model/plan since entering my after college working career. I found the Fidelity model agreed well with what I had been tracking for 37 years and added the probability models as to how much money I would have left at end of life.
In a nutshell, understand your expenses and have a plan to meet them. Oh, it is helpful to divide your expenses into fixed (like a mortgage) and variable (like entertainment) and then fund those expenses from sources that match volatility. For example, use Social Security to fund fixed expenses and investment earnings to fund variable expenses.
I could go on but you already got a lot of great advice.
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