You cannot retire with a million dollars these days.
is that true? How much do you need?
A couple, retiring before age 70, probably needs 2 million net worth to maintain lifestyle. Some of that worth could be investment real estate, which could produce rental income or could be liquidated for cash. That's my personal opinion.
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If I give up drinking, smoking, and fatty foods, I can add ten years to my life. Trouble is, I'll add it to the wrong end.