The wire hit. Ten million dollars, net of taxes and fees, sitting in an account with your name on it. Everyone tells you the same thing. You're set. You never have to work again. And they're probably right. But not for the reason they think, and not by nearly the margin they imagine. Here's the problem. Every rule of thumb you've ever absorbed about retirement, the 4% rule, the 25x number, the glide path into bonds, was built for a person who stops working at 65 and needs the
