The 4% Rule: A Common Starting Point

A commonly cited guideline is the 4% rule. It suggests you can withdraw 4% of your portfolio each year in retirement. The goal is a reasonable likelihood that your money lasts 30 years. For example, a retiree who needs $60,000 per year from savings would need $1.5 million.

What Else Affects Your Retirement Number

However, the 4% rule is a starting point, not a prescription. Healthcare costs, long-term care, inflation, and market conditions all influence how much is enough. Retirees with significant Social Security or pension income need less from their portfolio. On the other hand, those who retire early or spend more may need considerably more.

Find Your Personal Retirement Number

Rather than relying on one rule of thumb, work with a financial advisor. An advisor can model your income sources, expenses, and timeline. As a result, you get a more accurate and actionable retirement number. Moore Invested helps Atlanta-area clients define their retirement number and build a plan to reach it.

Retirement Readiness Quiz: When Will You Be Ready to Retire?

Answer a few questions about your timeline, goals, and resources to see a single retirement readiness score—then schedule a consultation if you would like a deeper review.

Retirement Calculator: How Much Do You Need to Retire?

A retirement calculator estimates whether your savings, contributions, returns, and retirement age can sustain your lifestyle—and where gaps remain.

Can I Retire at 62 or 65?

Retiring at 62 or 65 is possible for many people, but it takes planning for healthcare, Social Security timing, and a longer retirement horizon.

Retire at 62 vs. 67: What Is the Difference?

Choosing between 62 and 67 involves tradeoffs beyond five more years of savings—Medicare, Social Security, and how long your portfolio must last.

How Much Should I Save for Retirement?

Many professionals target 10% to 15% of gross income, but your right savings rate depends on when you start, what you have saved, and your retirement goals.

Will I Run Out of Money in Retirement?

Longevity risk is a common fear—and a 25- to 30-year retirement requires careful planning around withdrawals, inflation, healthcare, and guaranteed income.

What Is a Retirement Income Gap and How Do I Close It?

A retirement income gap is the difference between the monthly income you need and what Social Security, pensions, and other guaranteed sources provide.

What Is a Retirement Stress Test?

A retirement stress test shows how your plan holds up under poor markets, high inflation, healthcare shocks, or living longer than expected.

Early Retirement: Is It Right for You?

Early retirement can mean decades without work income—requiring more preparation for healthcare, Social Security timing, and sustainable withdrawals.

How to Retire Early: A Practical Guide

Early retirement takes disciplined saving, smart investing, and a plan for healthcare, account access, and Social Security before traditional retirement age.

Retirement Readiness: Are You Truly Prepared?

Readiness is more than a dollar amount—it includes income planning, healthcare, taxes, estate documents, and how you will spend your time.

Retirement Transition Planning: Navigating the Years Before and After You Retire

Decisions in the years before and after retirement can shape your security for decades—from Social Security and healthcare to withdrawals and lifestyle changes.

Should I Retire or Keep Working?

The choice is rarely purely financial—but working a few more years can meaningfully improve savings, Social Security, and healthcare coverage.

What to Do When Unemployment Runs Out Before You Are Ready to Retire

If benefits end before you are ready to retire, start with your full financial picture—savings, income options, expenses, and realistic retirement timing.

How Long Does Unemployment Last and What Comes Next?

Standard state unemployment benefits vary widely—Georgia offers up to 14 weeks—so pre-retirees need a plan for coverage, bridge income, and retirement timing when benefits end.

How Much Money Do I Need to Retire?

The 4% Rule: A Common Starting Point

What Else Affects Your Retirement Number

Find Your Personal Retirement Number

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