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All depends on what you want to do, and how you want to do it. You can live big, or frugal. Plan to take off a year, or ten. Six figures put aside will generate enough income to pay for cruising expenses, but that's no different from saying you want to put it aside to pay for retirement, or anything else.
The only way to make sure you won't get in trouble, is to run up some numbers for what you want to do, see what the expenses will be, and then see how your kitty can or can't match that versus your long term plans.
The math boggles a lot of folks, but if you get the raw numbers together, any financial planner or accountant can run them for you. Sun Office (similar to MS Excel but freeware) or any other spreadsheet software can do the grunt work, and your local library has DVDs on how to use that, if you're not familiar with it.
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