Edited my comment. The $1M is essentially on top of whatever you’d normally be able to save. If that is a lot more than $0 then most people would be in a pretty

Edited my comment. The $1M is essentially on top of whatever you’d normally be able to save. If that is a lot more than $0 then most people would be in a pretty good position to take a lower paying job for as long as they want then retire comfortably.