07/07/2026
If you're 5 to 10 years from retirement, you've probably asked yourself this question:
"How much money do I actually need to retire?"
More specifically...
How large does my investment portfolio need to be to generate the retirement income I want?
In this video, I walk through a simple framework that can help you estimate whether you're in the ballpark.
We'll look at three real-world examples:
✅ Need $100,000/year in retirement income?
At a 5% withdrawal rate, you'll need approximately a $2.0 million portfolio.
✅ Need $120,000/year?
At a 4.5% withdrawal rate, you'll need roughly $2.6 million.
✅ Need $200,000/year?
At a 5.5% withdrawal rate, you'll need approximately $3.6 million.
These examples are designed to give you a starting point—not a retirement plan.
Because determining whether your portfolio can truly support your retirement income involves much more than simply dividing income by a withdrawal rate.
A well-designed retirement plan should answer questions like:
• Is my withdrawal rate sustainable?
• How should my portfolio be invested as I approach retirement?
• What happens if I retire into a bear market?
• How do I reduce the risk of running out of money?
• What's the most tax-efficient way to create retirement income?
• How do Social Security, pensions, and my investments work together?
• Can I confidently spend what I've saved?
• And so much more.
If you're approaching retirement and want to understand whether you're financially ready, this video is a great place to start.
📺 Watch the video and see how your retirement income goal compares.
If you're 5 to 10 years from retirement, you've probably asked your...
