[m3kw9]

Using a a multiple to guess is highly inaccurate. You also cannot use stock market as a way to accurately assume it will nullify inflation. You need to use some sort of TIPS treasury as a baseline calculation, not a volitle market. If you are messing around with the stock market, you could screw it up when you feel lucky or panic.

The best way to retire is to always have some sort of backup skill income and do some side jobs on your own leisure to keep it sharp. With any number you can still go under for whatever reasons and when you do, you are really screwed