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A comment on You Need at Least $3M in Savings to Live Comfortably in Retirement. Parent comment

Re:You Need at Least $3M in Savings to Live Comfortably in R... by cpncrunch on Tuesday February 21, 2023 @01:27AM (#34877453)
You would have it invested somewhere that generates a return above inflation.
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Re:You Need at Least $3M in Savings to Live Comfortably in R... by asdff on Tuesday February 21, 2023 @01:30AM (#34877480)
Some of these calculators (maybe all?) assume this wad of money you retire with is stored under your mattress.
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Re:You Need at Least $3M in Savings to Live Comfortably in R... by Thorrez on Tuesday February 21, 2023 @02:16AM (#34877815)
Any example of a calculator assuming it's stored under a mattress?

Here's[1] an article on the 4% rule, and it clearly is about invested money:

> The rule applies to a hypothetical portfolio invested 50% in stocks and 50% in bonds.

[1] https://www.schwab.com/learn/story/beyond-4-rule-how-much-ca...

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