[Vigilanteman]

If these jaybirds would be realistic, then people actually might save something. There "experts" recommend saving at least $1 million.

If you live modestly, about 25% of that amount is enough especially if you flee expensive places like California and Connecticut.

Too many people look at these pompus experts and say "I'll never get there, so why should I save anything?"

The "experts" love skimming your retirement accounts to ensure they get paid first.

Few of them actually earn it.

[TangledUpInBlue]

Then they’re with the wrong investment advisors. Mine gets paid a small percentage of the value of my funds under management. The more I make, the more he makes.

$1M isn’t hard to come by when you factor in real estate. But that doesn’t matter either really. The question is, can you retain your current standard of living when you no longer work?

How much do you need for retirement? Answer: How much do you spend?