Will your retirement plan still fly?
Nest Egg at 50 (5%)
$1.17M
vs $1.42M @7%
4% Rule Income
$47k/yr
~$3.9k/mo
Income Gap
-$12k/yr
vs target
Required Rate
6.1%
to hit target
Comparison
Shortfall Options
| Option |
Monthly |
Annual |
Impact |
| Save more |
+$1,100 |
+$13.2k |
closes gap |
| Retire later |
+2 yrs |
age 52 |
compounds longer |
| Spend less |
-$1k/mo |
-$12k/yr |
target ↓ |
| Part-time work |
$1k/mo |
$12k/yr |
bridge income |
At 5% returns you fall ~$12k/yr short of your target. The gap is manageable: boost savings by
$1,100/mo, work two extra years, or blend smaller tweaks.
Keep the $3.5k/mo baseline, plan to retire at 52, and earmark part-time
income for the first five years. This cushions sequence-of-returns risk without major lifestyle
cuts.
Assumes same $420k starting balance, $3.5k monthly additions, 12-year horizon, and 4% withdrawal
rate. Tax effects not shown.