10 Money Statistics That Will Make You Want To Retire TOMORROW

Schedule a call with our team: https://www.sterlingwpartners.com/sch... *Stat 8: This is derived from the BLS data, not a separate source. The logic: • BLS average retiree spending: $52,141 • Housing = ~33% of that budget = ~$17,000 • A paid-off homeowner still has property taxes, insurance, and maintenance — but eliminates mortgage/rent, which typically represents the majority of that housing line • Reducing housing costs by roughly 50% saves ~$8,000–$9,000, bringing total spending to the $43,000–$44,000 range This is presented as a reasonable illustrative estimate, not a cited figure *Stat 10: This is an illustrative estimate, not a cited statistic. The reasoning: • Assume a worker earning $80,000–$100,000 in their early 60s saves 15–20% annually ($12,000–$20,000/year) • Add employer match and portfolio growth on existing assets over 3 years • The combined effect of contributions + growth on a mid-sized portfolio over 3 years reasonably produces $150,000–$250,000, with $200,000 used as a round midpoint The 0.3% withdrawal rate improvement: • Adding $200,000 to a $1,000,000 portfolio brings it to $1,200,000 • If annual spending need is $40,000, the withdrawal rate drops from 4.0% ($40K ÷ $1M) to 3.33% ($40K ÷ $1.2M) — a reduction of roughly 0.67% • On a more typical $1.5M–$2M portfolio, the same $200K addition produces a smaller improvement, closer to the 0.3% figure cited Examples are hypothetical and for illustrative purposes only. Any projections, probability analyses, or planning scenarios discussed are hypothetical in nature and provided for illustrative purposes only. No specific investments or client accounts were used in these examples. Actual results will vary and past performance is not indicative of future results. Case studies are for illustrative purposes only. Actual client experiences will vary. These examples do not constitute a recommendation regarding the suitability of any strategy for any individual or group.