$2 million sounds like “I’m set for life.”

But your spending decides whether it actually is.

Spend $4,000 a month, your money can potentially last forever.

$6,000 a month? Still very sustainable.

$8,000 a month? Still workable.

$10,000 a month? You’re getting close to the limit.

$12,000 a month? Roughly 51 years.

$15,000 a month? Roughly 21 years.

Same $2 million.

Completely different financial lives.

This is why retirement isn’t just about how much money you have.

It’s about how much lifestyle that money has to support.

A person with $2 million and a $60,000 lifestyle can be wealthier than someone with $5 million spending $300,000 a year.

Your portfolio matters.

Your burn rate matters just as much.