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Perhaps. But the reason I suggested starting at age 30 is that many people will have decent incomes by that age, and perhaps be married, as well. Also, I'm counting total assets, not just cash. For example, many employers have savings match plans, which it's probably a good idea to max out, since it's extra money for nothing. Anyway, the broader point isn't to have $2M to retire on; it's that it's a good idea to define early what you think you need to retire on, and to then make a plan to have that much money. The specific number is arbitrary.