You don't really need $70K, the idea is to keep up with inflation (by investing) and overprovision enough to protect yourself from market volatility (big cash b

You don't really need $70K, the idea is to keep up with inflation (by investing) and overprovision enough to protect yourself from market volatility (big cash buffer, bond ladders, etc) Most people right now will probably be considering annuities to offload some of the risk