@ari3l654 At 40, $200k at 7%, inflation adjusted, growth would put you at ~$400k at 50. At 60 ~$800k. At 65 ~1 million. This is with no additional contributions.
In order to achieve your projected $120k yearly distributions for retirement (roughly $3 million at 4% withdrawal rate) Let's do some math with a 7%, inflation adjusted, growth rate.
400k to start at 50. If you retire at 60. You would need to contribute roughly $13k/month.
If you retire at 65, you would need to contribute roughly $6,500/m
If you retire at 70, you would need roughly $3k/m
You aren't necessarily screwed, but you may want to manage your expectations a bit if you do this. I would try to invest at least a little during those 10 years. The early compound growth starts, the better the money works for you. But your 3 million goal is attainable, if you are willing to take lifestyle cuts until retirement and retire slightly later. This will be pretty difficult. I think the wisest course of action is to adjust your spending expenses in retirement closer to 80k. This would make everything much more attainable if you cannot invest right now.