Ever thought $3 million meant you could retire and sip lattes forever? Not so fast. These days, even a fat nest egg can feel thin if you live in a pricey city or let your spending creep up. Housing, healthcare, and inflation eat away at your cash, and if your investments aren’t working hard enough, you might be back to budgeting sooner than you think. Turns out, millionaire status is more about smart choices than a magic number. #RealEstate #MoneyTalks #RetirementReality