Actually that elusive $1 million mark is even scary if you discount it to today's dollars. Figuring a 2% inflation rate, in 20 years that $1 mil would be worth ~$673,000 today and with a 4% withdrawl rate that would equate to $27k/yr. If you figure the same inflation rate but 40 years from now for the younger crowd, that million would be worth about 453,000 of today's dollars or ~$18k/yr with a 4% withdrawl rate. Happy investing
