I’m 41 and on track to have a $6M nest egg by 55 even if I quit saving today. How do I know when it’s safe to stop?

Forty-one-year-old Janice has spent years diligently saving and investing, and by 55, her portfolio is expected to be worth a whopping $6 million. That’s enough to last her four decades if she follows the classic 4% rule and withdraws $240,000 a year. Janice’s portfolio is balanced, with a mix of stocks and bonds yielding roughly 6% annually. She’s healthy, debt-free and has an emergency fund tucked away, plus a health savings account (HSA) to cover future medical costs. She’s picturing a retirement w ...