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When you think of a million dollars, money signs immediately cross your eyes. On paper, that's a lot of cash, and one would think that that would be more than enough to retire on. 

But is it? It turns out that a seven-figure retirement fund doesn't mean you'll be entering your golden years in luxury. Actually, now financial advisors are debating if even $1 million would be enough to get you through a couple of decades without work these days, especially in areas where the cost of living is higher.

Ahead are questions to ask and factors to consider in order to decide if a million is enough for your own retirement.
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