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by pfisch 3051 days ago
Retiring a millionaire is not winning. Retiring with less than a million is losing.

Just do some back of the envelope math and it is very clear that you will have big problems with less than that.

1 comments

That's a sad way to think about life. Back of the envelope math says I can be pretty happy with way less than that, different standards and all I suppose.
Do you live in america? Do you plan to live 15-20 years past retirement? You are already at 50k/year with a million dollars, which is an amount of money that is ok in the present if you are young, but with inflation it will be a lot less.

Are you aware of how much elderly healthcare and care in general costs?

The average cost of a private room in a elderly care facility in the present is about 90k/year.

My standards are about not dying because I can't afford to pay for my prescriptions.

I hope you have kids, and they (continue to) like you.

I don't know what the inflation rate is between now and 65 years old... and I hope to live for 20 years after that. Assuming you're 50, that's 35 years of inflation which is right about a halving in value at 2%. So you're going to end your life with $25k/yr current equivalent and hope that SS and Medicare carry you through. Good luck.