Group 1 - A Reddit user with a net worth of $7 million aims to reach $20 million but feels uncertain about the timeline and cash flow situation [1] - The user's combined income with their spouse is $600,000, which includes $250,000 in illiquid stock options and bonuses, making it challenging to increase income while expenses are expected to rise [2] - The user anticipates needing around $370,000 annually to maintain their lifestyle due to increased expenses from private school tuition and health insurance upon retirement [2] Group 2 - A nest egg of $20 million at a 3.9% withdrawal rate would yield approximately $740,000 annually, but saving $10 million could suffice for retirement needs [3] - It is crucial to accurately calculate retirement savings goals to avoid unnecessary extended work periods and financial strain [4] - The user currently saves only $6,000 annually due to various expenses, but with a potential saving rate of $100,000 per year, they could reach $10 million in seven years or $20 million in fourteen years at a 10% return [6][7]