In fact, I touched only cash in the bank, I never sold any stocks, nor I ever touched the pension (not that I believe in pension too much, but I also can’t withdraw it without paying a hefty penalty).

Being “on track” is kind of an illusion to me. I believe it’s impossible to plan for more than 2-3 years ahead, let alone 20. I live below my means, invest as much as I can while finding a healthy balance between enjoying the moment and planning for the future.