This test has worked well so far although it may need follow-up questions.
1) How do you imagine yourself spending your retirement - assuming you retire in comfortable, but realistic circumstances (unless you're rich anyway)? What would you like to do, and how would you spend your day, where would you prefer to live? Etc.
2) Same question, but suppose you would retire as a very wealthy person. What would you do then? Laze about in Tahiti like Marlon Brando? Devote yourself to flying around the world like Richard Branson? Etc etc.