

IDK. Really depends on your precise path. My spouse and I are about 40 and, barring some truly collapse-type scenarios, our retirement is pretty much assured. We could make no other contribution and just let what we already have grow, and it would easily cover a very comfortable retirement at age 65. At this point further contributions are about moving that date forward.
We did it through being DINKS, both with engineering careers, general frugality, and getting on the property ladder pretty early. But it was a combination of luck, skill, hard work, good decision making, and luck.








I wouldn’t set it at $500M. I would set it at 1000x the median household income. Once you’ve hoarded enough wealth to last ten long lifetimes, we’re cutting you off. This would be about $80M in today’s money.
This is also roughly my best estimate for the largest possible “honest fortune,” one that can be obtained through wage labor and investment. This is the kind of money a married pair of neurosurgeons could amass if they both worked long careers, never had kids, lived like monks, and invested everything. To get more money than this, you have to own a company, be an executive, or otherwise exploit the labor of others.