Someone who has accumulated a million likely has had a above average salary and SS pension, i.e. probably $30K a year. A spouse will make that $45K to $60K tota

Someone who has accumulated a million likely has had a above average salary and SS pension, i.e. probably $30K a year. A spouse will make that $45K to $60K total. Thats a decent place to start, with additional retirement savings income.