scambo

Depends a lot on the age one would need 50k/yr. At age 65, probably around 1.6 would do it with conservative withdrawal rates and an allowance for inflation. If your receipent in question is disabled at age 35, probably 2 million dollars wouldn't do it. Also, these averages have some built-in probablity for running out of money--maybe 5-10% chance. The .gov disability doesn't, short of national bankruptcy and we throw the disabled under the huge bus.

Gloopy

Agreed, anyone should enter retirement basically debt free, esp mortgages. And the 70% replacement goal is likely high and finance advisors like it because it makes people save more. My calcs make me think 50-60% should be enough.

GF