Millennial as in aged 30-40? Probably 20 coins. Living for almost 50 years without working is incredibly hard to achieve and financially plan for.
You could be sudo-retired by 2030 with 5 coins though (my estimates). 2025 is only 13 months from now. Essentially impossible to acquire 50 years worth of retirement money in 13 months.
I don't think 20 would do it honestly. It unless it's a couple and they have 20 each.
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