noncoml parent
2 millions to retire? Without owning a house? You must be kidding, unless you plan to live only until 60 or move to the cheapest place in the country. Also keep in mind that most health problems start after 50.
To be fair, if you believe all the usual assumptions, then you can expect to earn 5% on that money. That would turn into $100k annually which is enough to live just about anywhere. Now, if you retire on time, I think this may also be tax free. So it's not that crazy, except for the unknowable inflation part of the puzzle. If inflation is also 5%, then your effective loss is 5% per year, so you'd be down nearly 100% after 20 years. Housing costs are crazy, but if you don't need to work then you can easily move to a cheaper place to save money.