> With a $2m+ net worth you could move to 90% of the country, retire and live off of the interest.

Not really for most scenarios.

For someone who is single and has no kids and plans to stay that way forever and is happy to live a very simple lifestyle, perhaps. Anyone else, no.

You'd still need to buy a house even if you move to a real cheap area, so you don't have 2M in cash. Then, how are you paying for health care? Kids education?

$500k buys a very nice house in many part of the country.

Health insurance can be purchased from healthcare.gov in largely the same way home insurance works.

$1.5M would get you $60k/year without ever touching your principal.

That being said, waiting even a few years drastically changes the math into your favor. 5 years of a job, plus interest on your retirement fund could easily double it.

To support a sibling post, depends very much on age and circumstances. 50, healthy, no wife or kids and no plan to have them? Might be fine retiring at $2m. 30 with a family? Ehhhh…

Likely-time-remaining is a huge factor in figuring out how much it’ll take to retire at a given level of risk (of running out of money too early).

It's $80k/year at a 4% withdrawal rate. If you were 30 with a family it might be cutting it close (depends on things like student loans, cost of health insurance, car payments, cost of mortgage, etc). Bumping it up to $2.5m would probably make things a lot more comfortable, but the point remains that OP has no reason to worry.