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[quote=Anonymous]I agree OP. Once the kids are out of college and we are ready to retire we can downsize to a lower COL and our expenses will plummet. I am estimating 50k a year for us as a couple. (And this is being pretty generous. We could swing it on $35.) We will have either no mortgage, an extremely low one, or rent. We are modest people -- our biggest splurges are occasional travel and our kids. So in my case let's say we need about 4k a month. Maybe a third will come from SS and a third from our retirement funds (about $1 mil) and a third from savings/profit from our house which we plan to sell (about 1 mil). I think we'll be fine. And I think my kids will still get a little chunk of change when we die. So for people/couples like me (not big spenders or lavish lifestyle) I would sat $2 mil plus SS.[/quote]
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