What are you earning for ?
To meet existing cost of living,
have runway for 5+ years,
medical emergency fund,
house,
car, and
seed fund for my business.
Is it concrete or something vague that one day you will need this amount or something?
Targets are known and quantifiable. So, yes, concrete at the moment.
Is it more than you or your family needs?
Not really.
At the current pace, it will take numerous years before I meet my current targets.
Or are you just a sheep like me ?
You are not a sheep.
You are a hero, waking up each morning, doing something productive and adding their bit to the world.