While $2 million is a significant sum, whether it’s “enough” to retire at 45 depends entirely on your desired lifestyle, location, and spending habits. A common rule of thumb like the 4% rule suggests an annual income of roughly $80,000, which might be plenty in some areas but tight in others, especially considering the need for that income to last for a potential 40 or 50 years. Healthcare, which can be expensive and is often not fully covered by Medicare until 65, is a major factor. Retiring so early also means more time for inflation to erode your purchasing power. Therefore, a careful analysis of your projected expenses and a conservative withdrawal rate are crucial to determine if $2 million is sufficient for your specific retirement vision.