$500000 is inadequate sum of money in his circumstances. He was making at least $300000 per year and he should have planned for at least 15 years of unemploymen

$500000 is inadequate sum of money in his circumstances. He was making at least $300000 per year and he should have planned for at least 15 years of unemployment (50 to 65 when his pension kicks in). His saving rate should have been higher but I would not judge somebody with 8 kids for not saving enough for retirement.