[pfisch]

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.