Again, keep in mind that this survival threshold is the bare minimum. Once you’ve met that survival threshold, you probably won’t want to retire just yet—it still might make sense for you to keep working to earn money for a higher quality of life than the basic survival threshold can provide. But now you can safely start thinking about at least the possibility of cracking open your nest egg. Once you’ve taken care of your worries about mere survival, you can then start thinking about your net worth peak as a date rather than a number.
