Oh man, I didn't mean to set this off with my comment, but I guess my immediate work group is a good proxy as it seems lots of people on this board agree that $4m is somehow not enough.
Here is what I don't understand, if you were to present value the remainder of your lifetime earnings, I doubt you'll actually make it $4m. So how is $4m not enough to retire on? For pretty much everyone, you will be retiring on less in reality.
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