<prompt> Human: It seems to me that most retirement calculators assume that my wife and I will need 800k to 1M in order to retire.I recently read an article that having a somewhere near 800k net worth puts you in the much maligned 1.Does this mean that only the 1 fulfil retirement goals ? Arre retirement goal unrealistic ? What happens to the seemingly vast majority of people who retire underfunded ? What am I missing here ?  <response>: Having 800k net worth at age 65 is very different from having it at age 35. The 1 refers to everybody, not just those of retirement age. When you retire, you absolutely want to have more net worth than most people who are younger than you. 