If I Wanted To Retire Early In 2025, Here is what I’d do

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In this video we go through some of the things you can do to prepare for a retirement in 2025.

⚠️ "DISCLAIMER:⚠️
This example shows the probability of success of a financial plan using Regime Based Monte Carlo simulations. Past rates of return among the assumption used in the simulation. Past performance does not guarantee future performance. Future returns may be lower higher. Investment values will fluctuate, and security positions, when sold, maybe worth more or less than the original cost.

All content is not to be received as financial advice and each individual should consult with their dedicated financial planner, tax preparer, estate attorney, etc. before making any financial decisions.

All contents provided by This Channel is meant for EDUCATIONAL AND ENTERTAINMENT PURPOSE only.

This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you.

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0:00 Whats in this video
0:32 Meet the couple
3:07 Net Worth Breakdowm
4:38 What the can spend?
6:54 Can they cover LTC?
7:40 What about unexpected expenses?
9:22 How to think about optimizing taxes
12:30 Optimiznr your retirement portfolio
16:36 Stress testing the plan
17:30 Your takeaways

[patriciamogannam]

Thank you for this video, great information

[benvirgil]

Thank you for the video. I have watched many retirement financial planning videos, and, for me, this is one on the best with a ton of information packed into less than 19 minutes. I think the tip (at 2:39) you briefly mentioned of listing concerns and then how to manage the concerns is powerful. I am going to work on this today! Also, I will watch your other videos on Roth Conversions - perhaps they more get into optimizing and pay-off vs health insurance subsidies and taxes. In this case, I am guessing that the tax savings more than justifies loss of the ACA subsidies. BTW, you may want to consider breaking-out monthly heath-care expense in future examples.

[SFOtoLIH]

What about ACA subsidies before Medicare? They will lose this if they do Roth conversions in the amounts recommended. Also, RMD’s start at age 75 for this couple, based on their current age.

[PKHenry]

I don't see the cost or real estate taxes in this cashflow. It is high in my state Massachusetts and I assume that is true in CA too. Is it included in their $96.3K in living expenses along with car/home insurance?

[stevelarcher]

Does the spending plan include their Social Security income or is it based strictly on investment withdraws?

[RescueDiver]

Having bonds and dividend stocks in a brokerage account has tax implications. All dividends and interest is taxable. But if in tax deferred it grows tax free till you withdraw it.

[iamjane]

A video on “How the one percent lives.” If living on “only” 8 grand per month is a realistic goal for you, you do not need to watch a you tube video.