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They’re would be set assuming continued US stock market returns, which will “probably” continue indefinitely so long as we are a country, but it’s not guaranteed. If I recall correctly, maxing out 401k for 30 years doesn’t even get you $1M on principal. 30 years from now even $2M is probably not enough to comfortably retire on.

Then if you need any nursing care it’s $100k+ per year.



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