"With low expenses, you don't need $4MM, or even $1MM."When I retired 10 years ago, I would have said the same thing.But I did not anticipate the massive increases in health insurance costs in those ten years. This problem has to be solved.Also the dot com crash took quite a toll, but I made it back in the real estate boom. Thank goodness for some wiggle room. It helps to have reserves to cover the unexpected.
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