$1,440,000 sounds like the finish line. For a lot of people it's actually where a brand new problem starts, one nobody warns you about before you get there.
I've sat across the table from hundreds of people getting ready to retire, and the same mistake keeps showing up right after they hit their number. It has nothing to do with how much they saved.
This video is where that number actually comes from, and the one shift almost nobody makes once they cross it.
We're going to cover:
– how a $10,000 a month goal, a couple's real Social Security check, and one withdrawal rate turn into an exact $1.44 million target, and why your number could be zero or $3.8 million instead
– the Pension and rental income shortcut that skips the whole calculation entirely
– the specific tax mistake that can quietly hand 20 to 30 percent of every withdrawal to the IRS
– the two things I watch retirees do with their portfolio right after they cross their number, one of them wrecked people in 2007
– the “moat” I build around a portfolio before a single dollar goes toward Growth again
Learn the tips & strategies to get the most out of life with your Money.
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Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.
The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.
Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements
Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.
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