Sort:  

As you said, 1 million could put you in a bit of a pinch. Cost of living is quite low where I live, but inflation is making it higher every day. At even 7% interest, 1m would be comparable to my current salary. I'd hate to see that decrease too much. The other number just gives me more wiggle room.

I am hoping when I retire, I won't have to worry about how much I treat the grandkids

A good goal!