“Are we going to have enough?”

On my podcast this week, I spoke to Rob and Adrienne. They are 59 and 62 and have $2M invested. [Podcast Newsletter Header](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvl3qn9gW7lCdLW6lZ3kPVHThqG2092wCW7TCcry2PWBXgVPD2yz8TD1HfW4f57cN6Rcxh_W83ppBZ11WV5JW6sFh8r7pM6ZGW3dCbbW2dD9htW73pmfN45MkRQN3CVlh5H0dkbV3qdby9gvmsmW5_PPsJ6_WnSkW81D_MW8ky_gwW2sBlHC2zGjVbW2lqnJ79c4qVRW5-kC6V2DzkMqW8sS3jY2c7mSyW4bLttG4bZp61W3tFjgy7qs45GVM_z0g3sZG8FW2yxyCD6Srxj-W77Zm4h2q2HnkW40PGK_53RnG0VV8lvl4mrFfLW7JCD-n1c0YFxf3HZDC-04) {NAME}, On my podcast this week, I spoke to Rob and Adrienne. They are 59 and 62 and have $2M invested. They wanted to know: “Have we saved enough to retire?” When I speak to couples in their 50s and 60s, this is the main question I get. And it pays to learn this before you’re in their situation. Rob and Adrienne’s income started slowing down during the pandemic, so they’ve already started living off their investments — spending $80,000 more than they made last year. Interestingly, Rob has been worried about money for 30+ years. But he has never spoken to a financial advisor or run a detailed calculation to actually find out the answer. [Podcast_Rob and Adrienne](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvF3qn9gW7Y8-PT6lZ3k_W96-KP86dSBJWW7Yyv8m25FT9gW6Qml345-HFZhW4Wd-dw3gYf0yW5swGy61g0-ZlW6D91Zv1N1gQ6W5mZ6rv2F7zdZW11-G9c1424PSW3fZwW35SHk9WW99Sx-91n46pRW7wjppk736w6fW1px04N7QLYJ2W2DSm4H13zlLFW4FplQD6jqnkxN3JMr48QhdKZW5K1zvr74MJGmW77YLZw7Ldz46N89-x3228RmYN4zmScfrlggmVCdRwP7fkN-VW2K7KSp1J-qNkW92wRjm4pGthDW6Cqs-G4MNHm_W56yS_869XvbpW48Xr883jTZHHW6bnJgR5CXQ17f254gDF04) If you’re worried “will we have enough?”, keep reading. Today I want to show you 2 ways you can find out. Option 1: Do It Yourself Will you have enough? Here’s a simple, back-of-the-napkin way anyone can find out themselves — right now. I use this method often with couples on my podcast. Step 1: Find out how much you will have at the age you want to retire. Pull up this [Compound Interest Calculator](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvY3qn9gW8wLKSR6lZ3lDW3vqJW63r224WW40TnQS7KfytXW6WDBYd2PZfdDW2-zt0H7N9-NLW5LFkHD8_hkHGW2JjVhk7Ch6x2W5yBHH5543PRyW4VkzhD67y0YQW55sR4P62B2WdW5k20tP6g2gljW428fGj7h1vLnVvTNb15rhNBcW6blTbM7MB1ZHN1wVHP6XCnZ1W6dtBxl1vvb0YVQ4ZzZ4Gmll_W91-8yc94CJn5W7MPZJT8YMPskW4c4Xw95RbkyCW9kL0Kp43zfWNW5Kp-nK53L57ZW5ykcbN8sjRjqVrXjbX35BSsGW2tSJ4b7QNhB8W3M_xZC1hC3SMW7kDYxZ4Tv8lhW1kxQxZ7s-4jJVKZBKm4GBnHjf4kcSZl04). Let’s say you’re 40 years old, have $500,000 invested, and you want to retire at age 60. Here’s what you’ll plug into the Compound Interest Calculator: - Current Principal: $500,000 (how much you already have invested) - Annual Addition: Let’s assume you automatically invest $1,000/month, or $12,000 per year - Years to grow: 20 (age 40 to age 60) - Interest rate: 7% (read Chapter 6 in my book, [I Will Teach You To Be Rich](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCv23qn9gW6N1vHY6lZ3l0W2z_htz39MQz6W8ZvG1R6q-_wxW3NR8Bd6nPX_jW45kffd61B0yyW7BbYcd3wkxFBW7gmrjR6Qvh1mW1bwt_R1Q5N-qW8_9BlR3r7dYcN7drp7CQZYKYVhl07-3v-LNVW6_Rz-69glgzcW8ppZrK5HrqGrMpBzwGJf4kkW3JbjY-6TM8N7W77Hr5Y61lYSZW4nd51y480DyHN1LqYGSlkYKpW8qTxSX7Kvj7ZN9gWT_5BT9Y3N7JMNF4m7d5rW4MJxsl1R7ddfW4NcQBR2jgwYBf90VprP04), to find out why. And yes, this accounts for inflation) [Compound Interest Calculator](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvY3qn9gW8wLKSR6lZ3pbW874Nsq3VPH_HN3LBJdsBTp3dVgPFHJ2qcyGxN44sy0Sl3YsbW6QKvpP96WzyMW2tRvZS5qQS2HV3Q-4P1j-G_KN41Fll5fn21rW3Dcr4b8yXKPGW7J6qS98BLSN6W1cmt536dBb_SW5CDVk8977m41W2cM9Lk86Nj_-W2jRRHF9kYdTTN54NVd0JVbBZW5MTpL31c0d67W6djcBv1kNwV6W5ST-Qd57rCT2W56TPfv5rBX-_W1t0Cch5S9HQYW6vSGKd2Nbmf2W24gQbM4y0Cr9W2mCC--5cNBBZW2hmcLh4l8d-sW2cDTb157G4kPW7RbNQF3VFj64W51KWjN4xvHnBW1_N60880CFTTf2rl7cl04) [MoneyChimp.com Compound Interest Calculator](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvY3qn9gW8wLKSR6lZ3m3W4GMsqb78Xx-mW7xYX_g7LhtNqW8X89qL6tDr-VW3hN4xH1t1_LrW1Nc5_k1cycYfW95mkSc3RV4TDMXGd9lxdH2dW5KH4ss3Q7dwmW1ygl0b45ydDNW6g5KjD4QKhdWW3vJ8lm5tLNl-W6Jb9yl5CrkmRN5JG91tchPSZW62dGh23KLQ4QW2CYqZW8rVrM6W7SbhWY2Nr9VKW5MHdLX5LYww_W33tj798RKk6tW82w14H43ygDKN6-6fn84rYlXW592G1j6mHWFPW7Tgjw-7cG-nsW5tsGnb28y4GlVm_SLQ1pxFF7N29VQqvRDFymVbp8971dcXxTW6TPs5Z80n5V9W2LCCcf64Lpb0f7ZYV0H04) You’ll end up with over $2.46M by the time you’re 60. Seems pretty good, but is it enough? Let’s find out… Step 2: Use the 4% Rule The 4% Rule is a popular retirement withdrawal strategy that suggests retirees can safely withdraw — and live off of — 4% of their savings each year for a period of 30 years. Please note: This is a back-of-the-napkin calculation!! It does not factor in a variety of factors that are important as you get older. So back to our question, is $2.46M enough to retire at age 60? Using the 4% Rule, $2.46M x 4% = $98,448. That means you’ll have roughly $98,000 to live off of each year. How does that compare to your current monthly expenses? If you’re spending way more each year, you’ll either have to cut back on your spending when you retire — or play with the numbers. For example, what happens if you work a few more years or invest more each month? Let’s see what would happen if instead of retiring at 60, you retired at 65… [Podcast_Compound Interest Calculator-5 more years](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvY3qn9gW8wLKSR6lZ3kTW7JTfT62PkdtCW71CbCV4B2qqNN1b3yG6zqbhjW4yHJVj9202KGVLhqLW9fmB9wW3C_07W1bffGkW6MW6PC6tTBlrW4KShM51KPCXJW9011zh4cSfK8W7czp3Q66MBDsW8nQKFz97XYlGW3B5WgC3N5Bs4W43KNls7HPryBW1xKhVt1hHdp8W9fdvh943Gt7GW5VzBYB6h_Ps3V1QF0y5tqBfBW3S4Glk4sWhQJVQX4H18LZrZhW236Nr02-sZP1W4xnkn_6ghPCqW83P2x12_wTnsW3f9jtw11P8kRVNgx7w9jLZ3DW5WqsJX8hlT0YVndpNW6H9Gb5W6q6yn21xRpKpW3nNgKG6-sZW2f36NfGY04) [MoneyChimp.com Compound Interest Calculator](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvY3qn9gW8wLKSR6lZ3kFVgDwDL8v1lD1VLyW-x6Y1k_FN5fZWPjbQ5jkV6LPXZ79bvwdW1PdVf86VzxRQW17GRwk909jS-W2sxv-b2d9vDnW82jKPY51F4dLW7FxWgG6HHt4BN7gHs-S7gKMqW4cgVcR8xG4gfW34br0k7Vbs23N2ZgxjpvhVWtV7S8913nBRnBW3JJr7K7F0zcgN3K1YPLG16VYW2zqqpB7bZmk8VGb00J21RZ07W6fjcTJ1HFbPmF3Z-MHWVBbwW6LkL2v8MQP-NW515tgV3gjkRMW1lh5nL2g__Z8W40ZYNt4W02CkW98GJP15Cv-chW5h1Vx-6yjq5WW3kGTzm8sYSq4W9l_2pW1Nl3_tf1H4vCs04) Whoa! You’d have over $3,500,000! By working and investing for just 5 more years, you’ll have almost an extra $1,000,000. This is the power of compounding, especially as your portfolio grows. Using the 4% Rule, that means you’d have roughly $141,0000 to live off of each year instead of $98,000. So if you’ve been wondering forever “Am I going to be ok? Will we have enough?” This is something you can get a good enough answer for in a matter of minutes. If you want more, I break this down into more detail [in this video](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvF3qn9gW7Y8-PT6lZ3q6TMFqK5QlrCQW2SwcRR36Rn6gW1Gz74r4gd-WTN6xN0LmPNsp_W2BFsV855zXLsW7vzyHw391WTnW6djc_K2pCZQrW1jHc9h7DTlhBW4q9zXR66MVlHN22_RmD47PQTW4xLny41S0HrtW8qng2C42Xb-XW24G00556NfV7Vvnpdm26SFpmW6czX9k1-n_TqW2hzm044cmHP4W5FWT7M7Y_f6PW5srQDs58yPcnW1TpSXX3YQ4KSW4V3Fx85_23cGW8fp_Zp3vksY2DLj_L6L4SDW7rSnqp2S2rtZW4n-N2v6yXC7rW2fkqDp8yvQSmW54X6yf3YSY_1f1xDn9l04). But what if you have a more complex situation? Or what if you want to know EXACTLY how much you’ll have — factoring in things like social security, insurance, being able to leave money to the next generation, etc.? There’s another option… Option 2: Hire a flat-fee based financial planner to run an analysis for you You’ve heard me say a lot about financial planners. Most people can manage their finances themselves. If they need a financial advisor, fine — I’ve hired one myself before — but never pay a percentage of your assets. Pay a flat fee or hourly fee. If you’re in your 50s/60s, have a large portfolio, a complex situation, or you just simply want to know EXACTLY how much you’re going to have, it’s really helpful to hire a professional financial planner to run some scenarios for you. This would factor in including taxes, social security, end-of-life medical care, taking care of children or parents, downsizing, etc. That’s what I decided to do for Rob and Adrienne. We actually asked our partners at [Facet](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvl3qn9gW7lCdLW6lZ3lcW4_kKnW2dhw0yN2BSTrj-3NL2W2L5-rx7HkY0ZW8tBrVr40H0SYW4qgH0W41SCW_W51lLgz1zJ_CMW7PTGq33xFCK8W52V9w52rZCx8W7l340n8SRn1xW7W0L6M39s3t2W6g9lV43vQcFYW7PP5SZ46mbxBN8cN7c1mx41zW3FMJ6S1wkWFpW1HT2w68_4xqwN45Y4PTgSLTlMld4wB7PNntW1JGtNb3NM6PrW95BrVc3QFTl6N1lBDCRSFP6wVNHmVm7GMyRcW340mTT7gC9f-W59x1xD21PsjYW8b2gh16L1GdTf7Mjp0R04) to run some scenarios for them. Facet took into account their income, investments, current spending, social security info, insurance, and even their [Money Dials](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvF3qn9gW7Y8-PT6lZ3lXN77RS0-sN7M3W2W3Tk84W2rN1W72VN2r7V_BbMW2XDqn895GpGQN5qTMBQnDJlTW7CKyW53S_r2nW8fMtJV13B9TBW3hfhZQ2b9tv5W4CdLlk3rhXCPW7SQP2n5XrkZ6W339VMq37N7pCVHS0Rr7lZ63gW48r_6N731jsRW85HWnZ8P1GXtVL5Gk44cgZ3pW1dB5w52YrbLmN4mWr6bDb705N1Txc_7nnXCGW1DHMPB6GqJhYW2XC7kP6VDdrQW3p_vSq6JNTKPW7gqYKC7tt3nsW4d5rmb32H-stW7HFPzR5QCGHjW4H_52n4-1ftwW15LS3Z5LlYMjf5t6dWW04) — because we want to make sure we’re actually spending money on what we LOVE too! With these inputs, Facet was able to prepare 3 scenarios for Rob and Adrienne. (Please note, these were highly simplified from what Facet delivers to clients): Scenario 1: Retire now, no flexibility in spending In this scenario they would: - Stop working this year - Keep their expenses where they’re at — no wiggle room - Continue enjoying their travel Money Dial at $30k/year - Risk running out of money Scenario 2: Work 5 hours / week for 8 more years In this scenario they would: - Continue working 5 hours / week until Rob turns 70 (8 more years) - Keep their expenses where they’re at — still no wiggle room - Continue enjoying their travel Money Dial at $30k/year - Potentially end up with $1.6m at the end of life, could leave a legacy to the next generation - Risk: Rob can’t get injured or sick Scenario 3: Work 20 hours / week for 3 more years — and leave a legacy In this scenario they would: - Continue working a lot more (20 hours/week), but only for 3 more years - Continue enjoying their travel Money Dial at $30,000/year - Added an extra $600 buffer to their monthly pending - Dial up their generosity Money Dial by contributing $30k/year into 529 plans for their nieces - Potentially end up with $1.08M — can leave legacy to family or charity - Have much more flexibility The point is, they have options! But there are trade-offs they will need to make. In just 20 minutes Rob and Adrienne finally had answers to the question they had been worrying about for years. If you want someone to look over your financial plan, always go with a flat fee or hourly fee. I recommend you check out our partner, [Facet, where you can get your own CFP for a flat-fee membership](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvl3qn9gW7lCdLW6lZ3lpW7LbhSN1zZy55W3vh28x6cG2JBW4PV7bH8mqsbXW8drmNh6L-7-GW5x_nNk4tpDCRV4svWz94NZ8jW6_g49v8rSX9fW1ykZ7b4m-ntyW265Jmv1Mkn6jW4czrWW8GlJnHW97_xqF89t2btW7KyLxv2xJwHDVYMKWh7cQ9DXW1jy4628Z_DKbW72n3163b5fTbW5fBDVt8m4GtSW7MfH716r5PTLW6rnwSV7QtPLLN4K8683Fgtd1VFD8JC2mzMrzN7xM-q-G038YN6BW2gpVmQHYW7GX_6l33rQYZW6CXp-72S6v0yf5FqkFC04). If you decide to sign up, they'll waive the $250 enrollment fee for new annual members and give you $500 into your brokerage account when you invest and maintain $5,000 within your first 90 days. [Watch here](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvF3qn9gW7Y8-PT6lZ3l0W8W3zGn8S4__vW6CgVdq7JYjyGVbCpBf6gDlhdW2HF8K327X7vZW6xR7bm4PpxTfVpW4Hs4sP6_TW6f8KJG3Mn68QW8k_c2W4y3T6mW6sjG_x7Kzl0qVyrhlp7wl0T0W2ZkhCX95y7H-W21WpjS4RVvFrW6zVt1L5fjSd-W4HwsKf46L9XgW22KxQw8tmTKXW11VH_-2065dbVfn79m1n8kplN3VLpSjRWrrVW1VzDFg3RGwcNW1M4nWG8Kz31KW5dW19-1Q6F_0W62DkGF85TGJ2W7vmpMY3TgZhtW458dmn1vzbrhW4ZV6635PL5wLW8RhcTB975hFMf6KBkwF04) to see Rob and Adrienne see their numbers for the first time — and find out which scenario they decided to go with. [Podcast_We have $2M, we cant retire?](113/d586LZ04/VWgz-55VLFjVN6dNkMH4DvfxW5tZZwQ5fPBD5N7dHCvF3qn9gW7Y8-PT6lZ3k_W7FChPL8Zzh61VpsSkC3yxZwNW5XjNsw1BkvtDW6Ns11F7-QZX5W53_B7j4L66qXW52LDDx5RBLWFN7DkRDrf-Wd9N4kV6kbCD3kbW1L-mHY3qG1r6W8XP2xB8fbmBQW6XrzKs8F4pM_W6xCZkh58Wm2wW2NQ3gP8scS-gN1vJjzqG3dv4W99g6cb4dv5KGVZzwDM3NKn3GW7gxnnm5ML2t_N1LgrLbB5Rx6W1dJhm17F6S3RW9kXdz84RB2rTN4y_H6Q9ZPVBW1zsC5T1dg2mkW2MTswX22qZWDW3rz6vt8Q_DP7W5gbSK-34Q7tjVn57CZ916LHMdv5_mY04) Which option would you choose? [Ramit Sethi Signature] P.S. 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