Are you hoping to save $1 million for retirement? Having $1 million saved for retirement doesn't mean you can just spend at will, because taking too much money out of your retirement fund would leave you at risk of running out of cash while you still need to rely on that account. If you follow it, you can take out 4% of your retirement account balance in the first year after quitting work and then increase withdrawals annually only to keep pace with inflation -- and you theoretically shouldn't run out of money.
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