A million dollars is not the stuff of dreams and is not really enough. Not bashing your story, your writing is great. I follow you and read every word.

My protégés should exceed a million dollar net worth before retirement. They will probably need more like two million. That will be a little harder.

A 5% return on $2,000,000 is only a pre-tax income of $100,000. In say 2040 or so when they might be thinking of retiring they will probably have to spend some principle not just live off the interest. Are we talkin about couples or singles.

If you don't become a millionaire you don't retire. Plan accordingly.

TEK