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If you are forced to take out more than $40,000 adjusted for time during your retirement, you are tempting fate and relying on luck to get you by. So, if you want at least $40,000 per year, $1 million is really the least amount of money, the bare minimum, you should have before you launch into retirement.
By Investopedia AAA |. A: The maximum monthly Social Security benefit payment for a person retiring in 2014 at full retirement age is $2,642. However, the maximum allowable benefit amount is only payable to those who have the maximum taxable earnings in all their working years.