{"id":3598,"date":"2025-08-09T12:22:36","date_gmt":"2025-08-09T12:22:36","guid":{"rendered":"https:\/\/moneyevolution.com\/blog\/?p=3598"},"modified":"2025-09-09T19:54:24","modified_gmt":"2025-09-09T19:54:24","slug":"is-my-retirement-on-track","status":"publish","type":"post","link":"https:\/\/moneyevolution.com\/blog\/is-my-retirement-on-track\/","title":{"rendered":"Is My Retirement On Track?"},"content":{"rendered":"\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Planning for retirement can feel overwhelming, especially if you\u2019ve been working and saving for decades and still wonder, <em>Is my retirement on track?<\/em> In this article, we\u2019ll walk through a clear process to help you evaluate your retirement readiness, estimate how much money you\u2019ll need, and assess whether you can retire early.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Is Your Retirement on Track? Simple 3-Step Process\" width=\"1278\" height=\"719\" src=\"https:\/\/www.youtube.com\/embed\/K5ve2zq0hpE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Start With a Detailed Retirement Budget<\/strong><\/h2>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">The first question to ask is, \u201cIs my retirement on track?\u201d The best way to begin answering that is to prepare a budget. And yes, I know what some of you might be thinking\u2014budgets aren\u2019t fun. Maybe you\u2019ve tried them in the past, or you\u2019ve avoided them altogether. But going into retirement, having a budget is essential\u2014no matter how much money you have.<\/p>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Once you stop earning a paycheck and begin drawing from your portfolio, you need to know how much to withdraw each year\u2014and whether your investments can support that. We use budget worksheets in our <strong>Retirement Launchpad<\/strong> guide to help break expenses down into categories, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\"><strong>Housing expenses:<\/strong> Will you keep your current home, downsize, or buy a second property? Break down property taxes, maintenance, and mortgage expenses separately for each.<\/li>\n\n\n\n<li style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\"><strong>Transportation:<\/strong> Include costs for every car, RV, or boat you own or plan to own in retirement.<\/li>\n\n\n\n<li style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\"><strong>Lifestyle spending:<\/strong> This includes dining, entertainment, travel, and expenses related to adult children.<\/li>\n<\/ul>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Comparing your current spending to expected retirement spending helps bridge the gap between your current income and the income you\u2019ll need to draw from your savings and investments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Determine What You\u2019ll Need at Full Retirement Age<\/strong><\/h2>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Next, figure out how much money you\u2019ll need at <strong>full retirement age<\/strong>, which is 67 for most people. That\u2019s when you become eligible for unreduced Social Security benefits. For this example, let\u2019s say you and your spouse plan to live on $120,000 per year in retirement.<\/p>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">If Social Security provides $60,000, then you\u2019ll need to withdraw $60,000 per year from your retirement accounts. Using the <strong>4% rule<\/strong>, you\u2019d divide $60,000 by 0.04, which equals $1.5 million needed in your portfolio.<\/p>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">This simple math doesn\u2019t factor in inflation or taxes, but it\u2019s a helpful starting point. If you already have that amount saved\u2014or will by age 67\u2014you may be in great shape. At this point, you\u2019re closer to answering, <em>is my retirement on track?<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Can I Retire Early and Still Stay on Track for Retirement?<\/strong><\/h2>\n\n\n\n<p>Retiring before age 67 is a dream for many people. But doing so requires careful planning. Let\u2019s assume both spouses want to retire at 60 and still spend $120,000 per year. If they delay Social Security and don\u2019t have pensions, they\u2019ll need to fund the full amount from their investments.<\/p>\n\n\n\n<p>That\u2019s $120,000 \u00d7 7 = $840,000 needed for the early years alone.<\/p>\n\n\n\n<p>Add that to the $1.5 million required for later retirement, and you get a total of <strong>$2.34 million<\/strong> needed to retire at 60 under these assumptions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Bucket Strategy for Early Retirement Planning<\/strong><\/h2>\n\n\n\n<p>To make this strategy work, we often use a <strong>bucket approach<\/strong>. In this example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bucket #1:<\/strong> $240,000 in very safe, liquid assets like money markets or short-term CDs. This covers the first two years of expenses.<\/li>\n\n\n\n<li><strong>Bucket #2:<\/strong> $600,000 invested a bit more aggressively to cover the following five years.<\/li>\n\n\n\n<li><strong>Growth Bucket:<\/strong> Any remaining assets can go here and be invested for long-term growth.<\/li>\n<\/ul>\n\n\n\n<p>By splitting your portfolio this way, you avoid selling growth assets during a downturn. If the market drops, you draw from the safer buckets while giving your growth assets time to recover. This helps reduce the risk of drawing down your portfolio too quickly during a bad market year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Additional Income Strategies to Stay on Track<\/strong><\/h2>\n\n\n\n<p>If you\u2019re wondering, <em>is my retirement on track<\/em> and the math isn\u2019t working out, consider generating additional income to reduce portfolio withdrawals:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dividend portfolios:<\/strong> Provide consistent income without selling shares.<\/li>\n\n\n\n<li><strong>Annuities:<\/strong> Offer guaranteed lifetime income, though they require careful evaluation.<\/li>\n\n\n\n<li><strong>Fixed income accounts:<\/strong> Create predictable interest payments to reduce reliance on your investment portfolio.<\/li>\n<\/ul>\n\n\n\n<p>The more income you can generate, the less pressure you put on your investments to produce the full $60,000 or $120,000 per year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Three Part Framework \u2013 Is My Retirement On Track?<\/strong><\/h2>\n\n\n\n<p>Here\u2019s the three-part framework:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Build a realistic retirement budget<\/strong><\/li>\n\n\n\n<li><strong>Calculate what you\u2019ll need at full retirement age<\/strong><\/li>\n\n\n\n<li><strong>Plan for early retirement using a bucket strategy<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Start putting the pieces together today so you can retire with purpose, confidence, and a clear understanding of what it takes to stay on track.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Planning for retirement can feel overwhelming, especially if you\u2019ve been working and saving for decades and still wonder, Is my retirement on track? In this article, we\u2019ll walk through a clear process to help you evaluate your retirement readiness, estimate how much money you\u2019ll need, and assess whether you can retire early. Start With a [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3615,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[30,27,35,36],"class_list":["post-3598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning","tag-early-retirement","tag-retirement","tag-retirement-income","tag-retirement-planning"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is My Retirement On Track?<\/title>\n<meta name=\"description\" content=\"How close are you to retiring? 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