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JABoa wrote,

Even so, it is clear that the median couple cannot live an expected lifetime on their assets, no matter what the withdrawal schedule. That is why Social Security is still so important.

Of course, Fools are planning to be up there in the 90th percentile, not at the median.

Actually it's probably more than the 90th percentile.

The median family income is somewhere around $45,000 per year. If we assume that a 4.5% withdrawal rate is "safe", then you'd need $1 million in assets (in addition to your home) to replace your income (assuming no social security or pension.) I suspect the $1 million mark would put you in the 97th to 98th percentile in terms of "investable wealth."

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