Money Magazine: "Retirement Savings: Will $4 Million be Enough??"

[Matariki]

22. Sorry to break the news to you

1 - your projected million falls well short of the 2-4 million the experts say you'll need

and 2 - you actually have no way to predict what might happen in the future. You *hope* to have over a million, but that relies on many factors outside your illusion of "discipline". You could lose your job or ability to work, an emergency or crashing financial markets could wipe everything out, social conditions could change in ways you have absolutely no control over.

My point being is that real security will come from creating a just and equitable society that bands together to create a safety net for it's most vulnerable members - if only because *anyone* can find themselves in that position through no fault of their own.