I do not think one needs S$100k a year for a couple to retire...that is like over S$8k a month! Esp if retiring in overseas countries but even in Sg, one should not need so much...and also the calculation is based on drawdown amount but how about passive income sources where the capital is preserved or appreciating like stocks dividends, FD's interest and property rental? I can retire at about 40 now in Malaysia with 4% FD interest and property rental passive and that is with about S$1.5mil...