<prompt> Human: Assuming a 4 withdrawal rate a million dollar portfolio will give you 40,000 a year. Yes, that is a lot, but doesnt that mean you have to have at least a million to retirebe financially independent with a decent lifestyle. I think people should stop framing it as something crazy it is an achievable goal that you should strive for.  <response>: If you retire having paid off all your debts house paid off, kids through college, etc and with 1 mil to draw off for the rest of your life with your now-reduced expenses, I think youre in a great position. Youd be passively making the median household income of many states. 