I'm technically a millionaire, as many people who have worked a white collar job for 30+ years are. That's calculated by the value of all your assets, not cash on hand. So if you bought a home in Austin in 2001 for $200k, you're likely, technically, a millionaire in 2026.

In 2022 I got cancer (clean now) and I saw the medical bills. If I ever become ill for a prolonged period of time, my wife and I will be bankrupt well within two years. If the dollar collapses and takes our savings with it, we'll be bankrupt much, much sooner.

IMHO, unless you are a Billionaire or multi(50+) millionaire, I don't think a care free "retirement" is in the cards.