At a 7% return you'd still need about $1.5 mil. And that's assuming that your hopefully more conservative investments in retirement earn 7% a year and over that

At a 7% return you'd still need about $1.5 mil. And that's assuming that your hopefully more conservative investments in retirement earn 7% a year and over that 20 year span there is not a crash... This includes about 3.5% per year for inflation.