Who wants to be a millionaire? The more intriguing question would be, "Who doesn't?" For most people, a million smackers conjures up images of vacations on the Riviera, Arabian racehorses and mattresses stuffed with freshly ironed $20 bills.

But being a millionaire today isn't all it's cracked up to be. Low interest rates and high living costs mean a million bucks in the bank doesn't necessarily allow you to retire at 35, 45, 55 or even 65. What's worse, today's million dollars comes with all the burdens of wealth: greedy relatives, rapacious lawyers and grasping investment advisers.

What's so bad about feeling flush? Read on.

A Million Isn't What It Used to Be

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Financial advisers say a sustainable annual withdrawal from retirement savings is 4%. With a million-dollar nest egg, a 4% draw-down means annual income of $40,000. And that's before taxes. If you stick