I read a lot of articles on retirement...and none seem to nail down exactly how much you would need. I don't mean the amount you need so you can buy that new Mercedes each year before your trip to the Bahamas, but enough to meet your minimum needs (assuming the house is paid for at that point). One article mentioned having $350,000 for retirement (if your income started at $65,000 and you received a standard 4% pay increase each year). Another article said you need $1M dollars to retire. A recent thread on this forum said $1M won't be enough. So, what is enough? What should be the target for a comfortable (not living on the street but not living in the Ritz) retirement?