04/13/2026
Let’s break down the ChatGPT retirement plan… 👇
It assumes a $100K after-tax income goal—but without actually calculating your tax bracket, it just adds an extra $15–20K and calls it a day.
Then it estimates what you’ll need before and after Social Security… but misses something critical: inflation.
That $55–65K from investments later in retirement? It’s not adjusted for the rising cost of living. And that changes everything.
Because in retirement planning, ignoring inflation isn’t a small mistake.... it’s a dealbreaker.
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Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency.
