The only thing I'm trying to learn is what others' situations were and was more interested in reading the replies about their specific situations than the results of the poll.
Oh, OK! Then I'll post instead of just answering the poll.
I am very cautious by nature, and acutely aware of the fact that if I don't take care of myself nobody else will. So, my retirement planning was pretty doggone conservative to begin with. I added extra to my planned nestegg to allow me to self insure for long term care, and for planning purposes I ASSUMED inflation, a huge market crash, failure of the SS system, and nearly every other possible retirement-wrecker that you can imagine (except for the housing market crash which blindsided me).
Then, once I had enough to retire comfortably under all these assumptions, I kept working to get to the point where I would be eligible for health insurance and mini-pension. I kept saving as always and LBYM'ing so my savings just kept increasing. I figured I'd enjoy the extra after retiring, when I had the time to do so, instead of during my last working years.
Then, just before I retired, I unexpectedly inherited a modest amount. OOPS. Never thought of that happening.
All this is compounded by the fact that I was still "living like a student" and LBYM'ing a whole lot more than I am now.
As John Lennon said, "Life is what happens while you are busy making other plans." Much to my surprise, my net worth on the day of retirement (11/9/2009) divided by my 2009 spending (minus mini-pension) produces an answer of about 59 without the house included, 67 with.
Being a rational person, I have gradually yet markedly increased my spending since that time.