The question is difficult to answer as one dose not have any idea on how the economy is going to turn out in the next few years, in some cases more btc might be required to sort out some circumstances, or less might be required, depends on the situation at hand.
And of course everyone would like to have as much btc as they can lay their hands on for retirement trust me, if i am asked how much btc I will be needing for retirement i might not be very sure with the answer to give, but i was thought to aim higher and think big, so i will like to have as mush btc as i can for retirement.
That's one thing, considering how things might change in the future, but there's also the obvious thing that people live all around the world, with very, very different costs of living, and also everyone has different lifestyles inside each different region...
So, it's really pretty much impossible to come up with a single number to answer this question.
It's almost irrelevant to say 1, 10, 100 BTC, etc, because in some cases it would be more than enough and in others not even close to match the lifestyle and cost of living.