Chapter 1 of 2
The Retirement Countdown
Eric runs his retirement model for the first time. At $1.2M and a 4% withdrawal rate, he can sustain $48k/year from savings. Combined with Social Security at 67, the household income in retirement looks comfortable — but the sequence-of-returns risk in the first 5 years is the hidden threat.
Key Insight
Eric's Monte Carlo shows an 84% success rate at age 63 retirement. Waiting until 65 raises it to 94%. The 2-year difference is worth $180k in additional contributions and avoids the most dangerous sequence-of-returns window.
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