I retired at an early age of 50. I don't need $10m nor $4m to retire. I retired simply by selling my fully paid condo for $1.4m and bought a $400k HDB flat. I invested the balance $1m in high dividend stocks which gives me 6% yield. So I earn $60k pa. My annual expenses is $40k and so I save $20k pa. I don't drive, don't eat at restaurants and don't go for expensive holidays. I lead a meaningful life now.