$1M is a lot of money for me, and would make my life considerably easier for a while. But I wouldn't retire, obviously, same as you. So the question is essentially, would you like a million and be able to do something nice for yourself, pay off your mortgage, invest it so you can retire a little earlier, etc, or would you roll the dice and not have to worry about money ever again? I think it's pretty much the same question regardless of your age, unless you're in dire need of money or something.