$2 million sounds like “I’m set for life.”
But your spending decides whether it actually is.
Spend $4,000 a month, your money can potentially last forever.
$6,000 a month? Still very sustainable.
$8,000 a month? Still workable.
$10,000 a month? You’re getting close to the limit.
$12,000 a month? Roughly 51 years.
$15,000 a month? Roughly 21 years.
Same $2 million.
Completely different financial lives.
This is why retirement isn’t just about how much money you have.
It’s about how much lifestyle that money has to support.
A person with $2 million and a $60,000 lifestyle can be wealthier than someone with $5 million spending $300,000 a year.
Your portfolio matters.
Your burn rate matters just as much.