How much money would you need to retire right now??

[mmcd]

I'm surprised all of these numbers are so low. When I retire, I want to spend my days sitting in a hot tub on my yacht smoking cigars, not worrying about budgeting my money so I can pay my bills. I'd also like to give my kids (when I have them) a very good head start in life. A million dollars, 2 million dollars, or even 5 million dollars doesn't seem like all that much money to me. All of those amounts are certainly life-changing, but if someone handed me a check for 5 million dollars tomorrow, I wouldn't think "Wow, now I never have to work again". I probably wouldn't work a regular job for a salary mind you, but I'd still be essentially working full time to grow that 5 million into what I'd consider a more meaningful amount.