Anonymous
04/17/2026 14:50
Subject: And that’s the $5M point
Anonymous wrote:Thats considered low by DCUM cosplaying multi-millionaire standards.Anonymous wrote:We plan to retire at $3.5M, for a comfortable $100k/year.
FIFY
Anonymous
04/17/2026 14:50
Subject: And that’s the $5M point
Remember that the $120 trillion wealth transfer is coming. If your parents are dead or not rich, it just means all the millenials are going to be richer than you in a few years, and you know no one cares about Gen X.
Anonymous
04/17/2026 14:47
Subject: And that’s the $5M point
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:We just crossed it, this morning, based on this market price advance. (Investment portfolio, not counting house.)
When do you expect to retire? We’re at 5.5M, and it’s hard to know what number is realistic. Not asking for advice; just curious what others are doing.
Op. In about 20 years
Most 40YO DCUMmers have $20M by now, per the latest threads. So, with $5M you're behind.
Exactly! Everyone has $20M at 40 bc they sAvED and LiVeD bElOw ThEiR mEaNs. And aren't house poor.
Stopping avocado toast for a month == instant millions
Anonymous
04/17/2026 14:42
Subject: And that’s the $5M point
Anonymous wrote:Anonymous wrote:Anonymous wrote:We just crossed it, this morning, based on this market price advance. (Investment portfolio, not counting house.)
That is nice. But I just heard you now need ten million to retire. It is a big milestone. But what gets me mad is I was told when did my first 401k if I hit one million I could retire rich!!, then around 10 years ago Suzie Orman started pushing you really need 5 million to retire. Ok, I get it inflation. Now in the last year or so people are pushing you need 10 million. They are staying 5 million is ok if you are 65 today but a 45 year old person will need at least 10 million by the time they retire.
When does it stop? I guess kids in college today will need 20 million to retire.
The minute you die, it stops immediately, and you can die randomly at any moment. So instead of worrying about how many millions you will need, just do your best and remember to enjoy life.
Exactly! Can't take money with you to the grave. Some of you need to remember to LIVE a little. Take the trip!
Anonymous
04/17/2026 14:41
Subject: And that’s the $5M point
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:We just crossed it, this morning, based on this market price advance. (Investment portfolio, not counting house.)
When do you expect to retire? We’re at 5.5M, and it’s hard to know what number is realistic. Not asking for advice; just curious what others are doing.
Op. In about 20 years
Most 40YO DCUMmers have $20M by now, per the latest threads. So, with $5M you're behind.
Exactly! Everyone has $20M at 40 bc they sAvED and LiVeD bElOw ThEiR mEaNs. And aren't house poor.
Anonymous
04/17/2026 14:40
Subject: And that’s the $5M point
Anonymous wrote:We just crossed it, this morning, based on this market price advance. (Investment portfolio, not counting house.)
Congrats!
Anonymous
04/17/2026 14:39
Subject: And that’s the $5M point
Congrats. We are a few years ahead of you and a few $$ ahead as well. Very good amount at age 47.
Anonymous
04/17/2026 14:26
Subject: And that’s the $5M point
A person's amount is dependent on how much they think they will need to live on in retirement.
We haven't retired yet, but about 7 years ago we started tracking every penny we spend. We always kept track, but not like we are now.
We know our bare minimum amount needed/year, our nice life amount, and extravagant amount which we calculate as a long term number in case we need LTC.
We haven't retired yet, but about 7 years ago we started tracking every penny we spend. We always kept track, but not like we are now.
We know our bare minimum amount needed/year, our nice life amount, and extravagant amount which we calculate as a long term number in case we need LTC.
Anonymous
04/17/2026 14:05
Subject: And that’s the $5M point
Thats considered low by today’s standards.Anonymous wrote:We plan to retire at $3.5M, for a comfortable $100k/year.
Anonymous
04/17/2026 13:24
Subject: And that’s the $5M point
We plan to retire at $3.5M, for a comfortable $100k/year.
Anonymous
04/17/2026 13:22
Subject: And that’s the $5M point
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:We just crossed it, this morning, based on this market price advance. (Investment portfolio, not counting house.)
When do you expect to retire? We’re at 5.5M, and it’s hard to know what number is realistic. Not asking for advice; just curious what others are doing.
Op. In about 20 years
How old are you OP?
47
Anonymous
04/17/2026 13:21
Subject: And that’s the $5M point
Anonymous wrote:Anonymous wrote:We just crossed it, this morning, based on this market price advance. (Investment portfolio, not counting house.)
That is nice. But I just heard you now need ten million to retire. It is a big milestone. But what gets me mad is I was told when did my first 401k if I hit one million I could retire rich!!, then around 10 years ago Suzie Orman started pushing you really need 5 million to retire. Ok, I get it inflation. Now in the last year or so people are pushing you need 10 million. They are staying 5 million is ok if you are 65 today but a 45 year old person will need at least 10 million by the time they retire.
When does it stop? I guess kids in college today will need 20 million to retire.
The minute you die, it stops immediately, and you can die randomly at any moment. So instead of worrying about how many millions you will need, just do your best and remember to enjoy life.
Anonymous
04/17/2026 13:21
Subject: And that’s the $5M point
Anonymous wrote:You can retire with basically nothing if you have a big enough pension or real estate. If you think that you need more than 5 mil, you probably have a spending/mental problem.
For those without a pension, $5M is only $150k a year on the 3% rule.
Anonymous
04/17/2026 13:21
Subject: And that’s the $5M point
Anonymous wrote:Congrats! We just passed $3M and I do keep pulling up my app to look at that new number. It's exciting! Also about 20 years away from retirement.
For someone who’s lazy like me, or at least not at all suited to the sort of office politics and ambition that are required for me to move way up, the most comforting aspect is knowing that our money can out earn us.
Anonymous
04/17/2026 13:19
Subject: And that’s the $5M point
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:We just crossed it, this morning, based on this market price advance. (Investment portfolio, not counting house.)
When do you expect to retire? We’re at 5.5M, and it’s hard to know what number is realistic. Not asking for advice; just curious what others are doing.
Op. In about 20 years
Most 40YO DCUMmers have $20M by now, per the latest threads. So, with $5M you're behind.
We’ll manage somehow