Retiring at 62 with $1,000,000 isn’t a simple yes or no. It depends on how you spend, how you’ll cover healthcare before Medicare, and how your plan holds up if markets stumble.
In this video, I walk through two real case studies, Dana and Michael, who each had around $1M but very different lifestyles and outcomes.
You’ll see how Social Security timing, ACA subsidies, withdrawal strategy, and a guardrails based spending plan can be the difference between confidence and concern.
I also explain the retirement spending smile, sequence of returns risk, key tax tradeoffs across account types, and why flexibility beats any single rule of thumb.
You’ll learn:
• How to bridge healthcare costs until Medicare at 65
• When delaying Social Security helps and when it doesn’t
• Why early market declines can derail rigid plans and how guardrails help
• How taxes and account types change what $1M really means
• Why spending in retirement typically isn’t a flat line
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