True, 1M in savings gives you ~40K per year to live off. This wouldn't be sufficient in SF, but given that you're basically retiring at that point, you might as

True, 1M in savings gives you ~40K per year to live off. This wouldn't be sufficient in SF, but given that you're basically retiring at that point, you might as well buy a home somewhere else and then you'd be able to live comfortable off of that.