🛫 Can I Retire at 50?

12-year sprint: $420k today + $3.5k/month

Current Age
38
target 50
Nest Egg at 50
$1.42M
7% return
4% Rule Income
$57k/yr
~$4.7k/mo
Monthly Savings
$3.5k
for 12 yrs
Growth
Retirement Needs
Category Monthly Annual Notes
Core living $3,500 $42,000 today's dollars
Health / travel $1,000 $12,000 inflation-linked
Taxes (est.) $400 $4,800 blended rate
Total Need $4,900 $58,800 ≈ $57k from 4% rule
Gap / Cushion -$200 -$2,800 ✓ covered
✅
Bottom Line
Numbers say YES — your plan funds ≈ $57k/yr at 50 under the 4% rule, covering an estimated $59k lifestyle with a small cushion.
⚠️
Biggest Risks
Sequence-of-returns risk, health inflation, and longer life expectancy could pressure the plan. Build a 20% buffer or consider part-time income for flexibility.

Assumes 7% average portfolio growth, 2.5% inflation, and 4% withdrawal rate. Taxes estimated at blended 12% federal + state. Consult a fiduciary planner for personalized advice.