$1.8M-$2.2M. Assumes 6%-7.5% annual return. Does not include employer contribution. Provides $72k-$88k /yr income. Assuming you pull social security at 67, your continued gains exceed your draw, and your fund perpetuates until you die.

If you retire at 45 won't that significantly impact social security?

It just means you draw ~$2500/month instead of ~$3800/month. That makes your $77k/yr income into $107/yr, but more importantly it helps your retirement account keep growing so it outlives you.

You can't live on $40,000 a year?

What about property taxes, the occasional $40k visit to the ER for a few stitches?

Does that happen often to you?

No - my hospital visits are £0 ;)

How close is your net worth and age to a million at 45?

Pretty bang on actually.

And how big is your dick too?

Bang average

I definitely could. An american maybe couldn't.