04/02/2026
If you’re thinking about retiring in the next 2–3 years, the best time to plan isn’t the retirement year… It's 12–24 months before.
Most people focus on the number. The bigger wins come from the sequence. Here are 3 things worth doing now (even if you’re still not 100% sure on the date):
1. Map your income timeline (wages, pension, Social Security, portfolio withdrawals)
2. Identify your “bridge years”(lower-income years that can create tax-planning opportunities)
3. Pressure-test spending (what’s fixed, what’s flexible, and what “fun” looks like)
It’s not about predicting the future perfectly — it’s about building a plan that won’t blow up when life changes.
I put together a simple 1-page "Retirement Checklist" that will help you get organized.
Comment RETIRE and I’ll send it.
(Educational only — not tax advice)
