I'm fortunate enough that I enjoy my job enough to not need a large sum to retire on, I'm happy to work until I can't and that's a lonnnggg way off.
£30-40k would allow us to move into a nice house and clear some debts so we can live comfortably on our wages and build up the pension pots.
After being extremely wasteful and reckless with money when I was younger I got myself in a bit of a financial muddle, just managed to avoid bankruptcy but still paying for it now.
Not that I'd turn down a lottery win or anything mind