Building on the above, at $2.5 million, the financial situation should be mostly focused on security rather than extravagance. Another reality check is that you shouldn't ever have to worry about paying bills or covering emergencies, but you also aren't living without boundaries, either.The hope is that when paired with Social Security, this $100,000 is a practical solution for a comfortable middle-class lifestyle. However, you can also go with a more aggressive withdrawal rate if you want to travel more or ...