Very informative. Thanks for the lengthy and enlightening response.

My issue wtih Orman's ridiculous early retirement benchmarks (she doesn't even give a final figure just a goal-post shifting range) is that it's a complete non-starter for most, while also being excessive and consumptive. The avg person is better off living frugally, staying out of debt, and aiming for $750k-$1m than thinking they need $5mil +. But that kind of reasonableness doesn't get headlines and clickbait.