Here’s how much workers in other countries need to retire

Whether a quick glance at the benchmarks indicates you’re right on track or way off the path, you’ll want to take those guidelines with a grain of salt on your avocado toast.

“Rules of thumb can be helpful but, until you’re really digging into the specifics, it’s hard to utilize them as a hard recommendation for your own situation,” said certified financial planner Andrea Blackwelder, a co-founder of Wisdom Wealth Strategies in Denver.

A multitude of personal decisions — such as the age at which you plan to retire and where you’ll live in retirement — can make a big difference, she said. You’ll need to do the work of personalizing your goal numbers, using tools or the aid of a financial professional.

“If you look at this and you start to feel bad because you’re not at that perceived benchmark … it’s a call to action to take a look, to actually start putting a plan together,” said Douglas Boneparth, a CFP and president of Bone Fide Wealth in New York City.