Thanks, RWD!
Yes, I used the one from Financialmentor.com (The Ultimate Retirement Calculator). I plugged in all my numbers again and it says I am still short $50k (last time it said -$70k). But according to MMM, my $1.1 million should last until I die without touching the principle amount. I've read the article you attached numerous times, so this is why I don't understand why I would be running out money.
It is from the "Financial Mentor" website.
Desired estate is 0.
Desired Income is $40k.
Estimate Inflation Rate: Around 2%
Total current savings: $840k
Monthly Savings: $6700
Age to Stop contributions: 43
Expected return: 6%
Estimate tax rate: 25%
Monthly Pension: $400/month from 65 years-95 years
Monthly SS: $2000/month from 67 years to 95 years