$1M Is No Longer the Standard Nest Egg
$1M Is No Longer the Standard Nest Egg – Here’s How Much Most Americans Think You Actually Need To Retire
Gabrielle Olya Wed, August 4, 2021
A common financial rule of thumb is that you should have $1 million saved for retirement, but this piece of advice may now be outdated — you may actually need roughly double that. At least, that’s what most 401(k) plan participants believe. A recent survey conducted by Schwab Retirement Plan Services found that on average, 2021 plan participants think they need to save $1.9 million for retirement. But how accurate is this number?
$1.9 Million Is a Good Estimate for How Much You Will Need in Retirement
Nathan Voris, director of business strategy at Schwab Workplace Financial Services, thinks that the survey participants have a pretty accurate idea of how much they will need in retirement.
“I think for a survey like this, that’s a pretty good number,” he said. “That’s a ballpark range for a wide range of folks. Obviously, retirement is not one-size-fits-all, but that’s sort of the middle of the range for a lot of people.”
As Voris notes, there are numerous factors that will affect how much someone will actually need in retirement, so some may need more and others may need less.
“There’s so much written about that, but I boil it down into just a couple of things. One is, when do you want to retire?,” Voris said. “If you’re going to retire at 50, you need to plan for 45 years of living expenses. If it’s 67, you need to plan for 30 years. That has a huge factor in what your plan should be.”
“One of the other levers is, what lifestyle are you going to have in retirement?” he continued. “Where are you going to live? Are you going to live in California or Wyoming? Think about the state tax perspective. Are you going to have an active lifestyle? Or are you living close to grandkids where you’re going to be pretty local? There’s a lot of factors in what level of lifestyle you want to live in retirement.”
Finally, how much you need to have saved for retirement will depend on your other sources of income in retirement. This includes Social Security, pensions, assets and inheritance.
“Those kinds of things can be a factor in what the retirement future looks like,” Voris said.
Why $1 Million Is No Longer Enough
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The 10-year Treasury yield hit a 19-year high in September – Why is it so important?
Sep 25, 2026| Seth Carlson J.P. Morgan Wealth Management Investing Essentials
If it feels like the 10-year Treasury yield has become a fixture in financial headlines, there’s a reason for that. As investors navigate lingering inflation concerns, shifting market expectations around Federal Reserve policy and questions about economic growth, moves in the 10-year Treasury yield are closely watched, as it can impact mortgage rates, stock prices and broader financial conditions.
Fed Insider Reveals the Global Dollar Reset
Miles Harris: 9-30-2026
For years, mainstream financial headlines have warned of the imminent decline of the US dollar as the world’s undisputed reserve currency. Narrative-driven commentary often points to aggressive foreign central bank purchases and changing trade alliances as definitive proof that the greenback is losing its crown.
However, an analysis of key insights from the Federal Reserve’s annual Jackson Hole Symposium presents a far more intricate and nuanced reality. Rather than witnessing an outright abandonment of the currency, the global economy is experiencing a structural transformation in how dollar exposure is accessed, managed, and held worldwide.
Ariel: The Exchange Rate is the Foundation
9-29-2026
Swisher1776: IQD RV: The Council of Ministers announced that it has officially received the draft of the 2027 Federal General Budget Law.
The pieces have locked into place. The Council of Ministers receiving the 2027 Federal General Budget Law draft is not routine bureaucracy it is the mechanism. Under Iraqi budget law, the exchange rate MUST be codified inside the budget before passage.
October 15 is not a suggestion. It is the statutory choke point.
Bruce’s Big Call Dinar Intel Tuesday Night 9-29-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome everybody to the Big Call tonight. It's Tuesday, September 29, and you're listening to the Big Call. Thanks everybody for tuning in again. And with one more day to go in the month of September, there is a lot going on, and I look forward to bringing that to us.
All right, let's let's see where we stand right now. You guys know I like to paint a timeline. Let's start with Monday. Okay. Now I try to paint a picture based on a timeline that we're on. Right. Do that every call. And tonight, we have to go back to President Trump on Monday.
Good Afternoon Dinar Recaps,
DIGITAL PAYMENTS RESET WATCH: APPLE PAY ENTERS INDIA AS GLOBAL PAYMENT SYSTEMS EVOLVE
Apple Pay’s launch in India adds another major global payment network to one of the world’s most advanced real-time digital payment ecosystems, highlighting the continuing evolution of how money moves across borders and platforms.
Coffee with MarkZ, joined by Zester. Wed.09/30/2026
Some highlights by PDK-Not verbatim
MarkZ Disclaimer: Please consider everything on this call as my opinion. People who take notes do not catch everything and its best to watch the video so that you get everything in context. Be sure to consult a professional for any financial decisions
MZ: Troops withdrawal before Sovereignty Day, what's next. Zester answer blockchain questions.
MZ: They are celebrating for the next 4 days in Iraq. I expect news to be fairly quiet after today. I keep being told this is it….They can now move forward now that the trigger was pulled/line was crossed.
TNT:
Tishwash: The Iraq Stock Exchange officially joins the "Tabadul" platform.
The Abu Dhabi Securities Exchange announced the official start of trading for the Iraq Stock Exchange via the “Tabadul” platform, making it the eighth market to join the platform.
The move allows investors in Iraq to trade securities listed on the Abu Dhabi market directly, thus enhancing trading and investment opportunities between the two markets.
The “Tabadul” platform provides the ability to trade between participating markets and settle transactions in local currencies, without the need for dual listing or custodian services.
Ariel: The Wizard of Oz as a Monetary Allegory
9-30-2029
The Wizard of Oz As Monetary Allegory: For Those Pressed For Time
The Emerald City reading isn’t random. Since economist Hugh Rockoff’s 1990 paper “The ‘Wizard of Oz’ as a Monetary Allegory,” scholars have mapped L. Frank Baum’s 1900 book onto the 1890s Populist movement the fight over gold vs. silver coinage.
The Emerald City itself = paper greenbacks.
Emailed to Recaps~ Thank you David
Reset Intelligence: Pensions for Weapons.
By Reset Intelligence | @EXIT_FIAT
On Tuesday, the day before the coalition's mission in Iraq closed, the cabinet voted through the PMF Service and Retirement Law and sent it to parliament: ranks, salaries and pensions inside the state for the fighters who bring their weapons in.
The blocs handed al-Zaidi the authority to fill the 9 empty cabinet chairs as one package after Sovereignty Day. Kataib Hezbollah answered with a threat to police Iraqi airspace and bring the government down.
Good Morning Dinar Recaps,
GLOBAL BOND RESET WATCH: GLOBAL BONDS FACE WORST MONTH IN YEARS AS GOVERNMENT DEBT AND YIELDS SURGE
Global bond markets are ending September under pressure as rising government borrowing, persistent inflation and higher energy costs push long-term yields to multi-year highs.
The Iraq Stock Exchange Officially Joins The "Tabadul" Platform 9 29 2026
The Abu Dhabi Securities Exchange announced the official start of trading for the Iraq Stock
Exchange via the “Tabadul” platform, making it the eighth market to join the platform.
The move allows investors in Iraq to trade securities listed on the Abu Dhabi market directly, thus enhancing trading and investment opportunities between the two markets.
MilitiaMan & Crew: Is This The Sequence?
9-29-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
No drama. No intrigue. No songs and dances. Just straight, factual news that I read and interpret to the best of my ability after being an avid Dinar investor and insanely obsessed Dinarian for over 15 years.
Follow MM on X == https://x.com/Slashn
KTFA
Tuesday Night Video
FRANK26…9-29-26….SIT DOWN
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
MP: Fixing Contracts And Wages Is Mandatory For The Government Within The 2027 Budget
Information/Baghdad... MP Mahmoud Al-Shammari affirmed on Tuesday that the issue of regularizing the employment of contract and daily wage workers in various ministries and state institutions has become a legal and moral obligation incumbent upon the government. He stressed the financial necessity of including sufficient allocations to definitively resolve this entitlement within the 2027 general budget.
Good Afternoon Dinar Recaps,
AI DEBT RESET WATCH: RISING BOND COSTS COLLIDE WITH MASSIVE AI INFRASTRUCTURE SPENDING
The global AI buildout is creating enormous demand for capital at the same time that rising government and corporate bond yields are making that capital increasingly expensive.
The Global Debt Crisis Has Begun (Why Gold Is Falling First)
Taylor Kenny: 9-29-2026
The global debt crisis is accelerating as Treasury yields surge and governments face a massive debt rollover problem. So why is gold falling?
Taylor Kenney breaks down what rising yields are really signaling, why short-term gold weakness may be misleading, and what it means for the dollar, gold, silver, and your wealth.
Ariel: The Mandate of Ashes, Iraq and the Fuse
9-28-2026
The Mandate Of Ashes: A Sovereign Detonation (Iraq & The Fuse)
Ladies & Gentlemen We Are On The Clock
Let’s Go Over These Line Items For The Month And Week Ahead
Dhi Qar Gas Storage Project Begins Trial Operation
2026-09-29 Shafaq News- Dhi Qar A new liquefied petroleum gas (LPG) storage facility at the Nasiriyah gas depot in Iraq's southern Dhi Qar began trial operation on Tuesday, a move Deputy Oil Minister for Gas Affairs Ezzat Saber Ismail said would strengthen storage capacity and help stabilize supplies across the province.
Is It A Golden Era For Gold?
JP MORGAN
Gold stands at the crossroads of global uncertainty and enduring resilience. Here, we explore the factors driving the price of gold and consider the important role it plays in portfolio diversification. Gold prices have more than doubled since late 2023, repeatedly hitting all-time highs in a sustained rally. The precious metal outperformed major equity benchmarks in 2025 with an eye-popping 65% return,1 its strongest single year since 1979, then built on those gains in early 2026.
Iraq and the United States discuss strengthening cooperation in the recovery of smuggled funds and extradition
Money and business Economy News – Baghdad The head of the Federal Integrity Commission, Dr. Mohammed Ali Al-Lami, stressed that combating corruption and protecting public money requires concerted national and international efforts, and strengthening cooperation in the prosecution of those involved in corruption and enrichment issues at the expense of public money, and the recovery of wanted persons and smuggled funds.