So lessee, the anxiety here is that those who have been able to put away $3 million tax free for their retirement are going to suffer needlessly? I'm going to go out on a limb and suggest that most people who have managed to salt away $3 million in a retirement account have other assets that will also be useful to them in retirement. The article estimates that a $3 million retirement account will yield an annuity of around $205K. Cry me a river ya'all.

Mountain, molehill, etc.

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1986 300SDL, 362K
1984 300D, 138K