I'm guessing most people here not in the 20-29 bracket are planning on popping the 'chute before they hit the 1% level. I definitely don't see myself hanging on 'til I reach $2.5 million. What would I do with $100,000 a year when I only spend $50,000 now and that includes mortgages on two houses and a car payment. I could retire my whole immediate family on that kind of money.