Boycott US

If you're withdrawing the average US salary, that would also cover mortgage payments, so you could put the entire 450k down on a more expensive house and still live comfortably. Most people making average salary don't own their house outright and pay nothing for housing. So yeah, by your calculations 2m is more than enough.

Good luck finding a house for $450k and living without medical insurance.

I have to say, thats still a large swath of the US. Also depending on the interest rate, it could be better to have the mortgage rather than bought outright.

I also know a few folks who do just enough work to get medical insurance, and they really enjoy it that way. They have enough from their investments, and the ~30hr/wk they work is enough to get medical, dental, and vision. One works a horse stable, another worked at Starbucks for a while (when it still seemed like a decent company). At that point, there was enough return from investments that she started her own coffee shop (and brought in a couple other employees from Starbucks she really liked working with).

$2 million is still plenty for most people.

Edit:

Max $450k, 4br, 2ba, sorted by price high to low.

You can get more for less depending on location, but there you go.

It really really depends on your standard of living too. This number will be different for everyone. Some would be happy with 125k house, it's small and nothing fancy, but the 5 bedroom 2 car garage house, not for everyone.

Fewer than 13 million USAmericans have pensions. In fact, nearly half have no retirement plan at all.

That's what being poor actually means. Did you grow up rich or something?