[marktwain]

My financial adviser says this is 96% of what I need to make it to 100. ----------------------------------------------------------

You must have good genetics, good health, and a healthy lifestyle, or the money does not make much difference.

Not surprising that your financial advisor focuses on the money, but money alone is nowhere near 96% of what it takes to reach 100 years old...

I may be misinterpreting your post. Please correct me if I am.

Also, "maintaining your lifestyle" is a very slippery, indefinite standard.

It can be easily managed by being a little stoic and starting with a frugal, low-cost, satisfying life, or living a wasteful, high cost, unsatisfying life, or anywhere on the map of which those two are at opposite ends.

[Teacher317]

I think you misunderstand the phrase “make it to 100”. He isn’t saying that money is needed to live that long, he is noting how much in assets he must have to pay for bills and food etc after retiring, and keeping it going financially until he is 100 (if he happens to last that long).