Overview

• Advisors tell Investopedia that $2 million can support a comfortable retirement for many savers when tied to a tailored plan that fits actual expenses and income sources.
• Applying the 4% rule, a $2 million nest egg produces about $80,000 in year-one withdrawals, which can reach roughly $100,000–$120,000 with typical Social Security benefits.
• Retiring earlier lengthens the time savings must last and can require more than $2 million, while delaying benefits or relocating to lower-cost areas can extend resources.
• Yahoo Finance calculates that sustaining $12,000 per month would require about $3.6 million using standard withdrawal math, with inflation and longevity raising the hurdle.
• Kevin O’Leary promotes a $500,000 route using 5% yields or index fund returns, though inflation, market volatility, and relatively low annual income present significant trade-offs.