Evan Ward  discusses the concept of needing a million dollars for retirement and explores the factors that determine retirement readiness. It emphasizes the importance of personalized planning and true diversification to ensure a stress-free retirement. The conversation also highlights the significance of tax diversification and the control it provides over one's finances. Overall, the key takeaway is that the million dollar mark is not a one-size-fits-all solution and that individual circumstances and goals should be considered when planning for retirement.