Not adjusting for inflation and not counting the value of my apartment or any personal possessions (just counting my investment portfolio, taxable and IRA), my ratio is about 108%. I agree with gomo's comments.
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"