What If I Retire With “Only” $1M?

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It’s easy to feel behind when you compare your savings to your brother, your coworkers, or the YouTube guy claiming he retired at 38. But the truth is that “only” having $1 million doesn’t tell you anything without understanding your lifestyle, income sources, and retirement vision. Today, Phil explains why the comparison game is misleading and how defining your own target brings far more confidence than chasing someone else’s number.

Here’s some of what we discuss in this episode:

📊 Comparison Trap: why measuring yourself against others is so misleading

🎯 Define Your Target: how to build a retirement number that fits your life

🏖️ Lifestyle Drives the Math: expenses, goals, and expectations shape the plan

⏫ Catch-Up Strategies: saving more, adjusting timelines, or shifting risk thoughtfully

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