I come to this thread late but couple points: 1. Low return on money. That's because money itself worth more now; the Fed has destroyed whole bunch money via

I come to this thread late but couple points: 1. Low return on money. That's because money itself worth more now; the Fed has destroyed whole bunch money via credit tightening. We have gone through an asset deflation phrase and the money you have can buy more assets now. It's ok to have low return on money for now. 2. Asset allocation. Should not just put your FU money in stocks or Treasury. Read up on asset allocation. Have better downfall protection and better return. 3. 4% withdrawal rate. Studies and simulations have found that annual 4% withdrawal rate of a portfolio can make it last for very long time adjusted for inflation. 4% of 2M is 80K, which can provide a nice living. 4. Count net worth, not just cash. That 80K makes a big difference with a paid-for house. 5. Don't discount Social Security/Medicare/IRA/401K/Pension. The discussion of couple millions of PRESENT day often ignores the age restricted retirement funds. Those can be substantial.