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$4m... At age 60 gives you and your spouse enough to live on comfortably to late 80's ..paying decent $4k/mo mortgage (I want a second home), car payments (I want new cars in retirement), plus home expenses and an extra $1,500/month. You can still layer SS payments on top of this. You have to think grandkid expenses plus family vacations, plus I want to do some cool shit in my 60's and not be burdened by "I wish I could" - I just had this call with my financial planner today.
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