About this episode
In this episode, we walk through a retirement planning scenario involving a couple in their early 60s with a $4 million investment portfolio. Their financial plan reveals something surprising: they may not need to wait until 65 to retire. Instead, thoughtful planning opens the door to retiring earlier—without compromising the lifestyle they value. What we cover: • A breakdown of how a $4 million portfolio can support early retirement • Income sources, spending needs, and sustainable withdrawal strategies • The impact of delaying Social Security to age 70 on long-term portfolio health • How adjusting travel or discretionary expenses affects financial longevity • Why the right financial plan is less about hitting a number—and more about designing a life Whether you're working toward financial independence or already approaching retirement, this episode offers insight into how personalized planning can unlock real flexibility—regardless of your portfolio size. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!