How Long Will Your Money Last? (Most People Get This Wrong)

Most people planning for retirement get this calculation completely wrong. Here are the 3 variables that actually determine how long your money lasts. In this video, I break down the three variables that control portfolio longevity — and the one most pre-retirees completely underestimate. Here's what I cover: — The 4% withdrawal rate: where it came from and why it's a starting point, not a guarantee — Longevity risk: why planning to age 85 may leave you short by a decade or more — The inflation and sequence-of-returns multiplier that most retirement projections ignore — A real-numbers comparison showing what happens to a $750,000 portfolio at different withdrawal rates over 25 and 30 years I've worked with pre-retirees since 2005 and the retirement plans I see fail almost always have one thing in common: they were built around a single number and a single assumption, with no stress testing. If you're within 10 to 15 years of retirement and you want to know whether your current plan can actually survive 20 to 30 years of withdrawals, this video is for you. 📋 Free Pre-Retirement Readiness Checklist: https://radiantvest.com/checklist 📅 Schedule a virtual consultation: https://radiantvest.com 🔢 Retirement Calculator: https://radiantvest.com/calculator CHAPTERS: 0:00 – Most People Get This Wrong 0:11 – What You Will Learn Today 0:44 – Why Your Balance Is Not the Answer 1:32 – The Disclosure You Need to Hear 1:55 – The Three Variables That Control Everything 2:21 – Variable 1: Withdrawal Rate — The Math Behind the Rule 4:18 – Variable 2: Longevity Risk — Planning to the Wrong Age 6:17 – Variable 3: The Multiplier Effect (Inflation + Sequence Risk) 8:08 – How These Three Variables Combine Against You 9:52 – What a Stress-Tested Plan Looks Like 11:55 – Watch This Next 12:19 – Compliance Disclaimer #RetirementPlanning #RetirementIncome #FinancialAdvisor