$200 per month is the minimum to retire with $2 million+. But you can always put more in as your financial situation improves (like getting a raise). You can also make wiser decisions like not getting a $770 a month car payment (yes, that's the current average new car payment in the US).

I work with clients of all financial levels and almost all of them have upwards of $600 a month to put toward retirement/investments once they get on a proper budget and develop the discipline to stick to it.

Yes, emergencies happen but not as often as you'd think and most incidents are manageable, especially if you plan for them. Saving ahead of time for car maintenance or AC replacement, having a bucket for medical expenses or family, getting a prenuptial agreement, etc.

I've been a financial coach for over 20 years and almost all my clients who have reached retirement age have done so as millionaires using this exact method.