Yeah, half a million is not enough, has not been enough for retirement for a long time. Have you ever thought about how to value your social security or a pension when calculating your net worth, or an IRA.

An inflation adjusting $2000 a month social security check is equivalent to an 8% interest earning investment of $300,000 and it is inflation adjusting and for some is free of income tax or payroll taxes. A million dollar IRA is not worth a million dollars as you will owe taxes on the withdrawals. Pensions have a cash value; you can actually sell some of them or the pension provider might offer to buy them.