If you have the good fortune to have $2 million or more saved for retirement, perhaps you're asking the question: Is this enough money for me to retire with? Can one live a stress-free retirement with this much money?

Many people are surprised by how large their Required Minimum Distributions (RMDs) are in retirement. You should prepare for the tax hit that comes with these withdrawals by using a good RMD calculator to project your RMDs.

We'll just get this out of the way right up front. You need to start contributing more to your 401(k). And you should consider trying to max out your 401(k) contributions eventually.

It's a common question: "Should I use a Roth IRA rather than a traditional IRA?" A similar question is, "Should I transfer money from a traditional IRA to a Roth IRA?"

When the question "How much do you need to retire" comes up, most people reflexively think of a target to hit. A million dollars, two million dollars. If I can just get to a certain amount, people think, I'll be set.