Brett Arends's ROI: I’m retiring at 65 with $2 million, an $850,000 home and $3,500 a month in Social Security. Should I follow the 4% rule if I don’t want to leave an inheritance?

The various retirement forums on Reddit are so full of people bragging about their money to a bunch of strangers that I’m never sure who to take seriously.

But this post caught my eye because it raised so many intriguing questions: “I plan to retire at 65, and should have about $2 million in retirement accounts … Personally, I’ll view it as a tremendous failure if I die with money in the bank.”

The…