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$40k for dentures? She got fleeced.

$3M for retirement right now is plenty, but you have to live like an actually middle class person.

If you are living like the middle class (i.e. income comes both from capital ownership and labour) then you can't possibly be retired. Retirees are those who have transitioned into the upper class (i.e. income comes from capital ownership alone).

Assuming you have a paid off house and car, what else are people bleeding money on?

Medical expenses like OP said. If you retire at over 65 then possibly Medicare/etc can cover some of this.

But if you're wanting to retire early, it's a huge gamble on medical expenses in the US.

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