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I Retired at 55: Don't Let a Calculator Keep You Working
Retirement calculators, Monte Carlo simulations, and probability of success can be useful—but they can also keep you working one more year. I retired at 55, and here’s what I think calculators often miss.
Retirement calculators can help you think through spending, inflation, taxes, healthcare, Social Security, and sequence-of-returns risk. But they can also make retirement feel like a pass/fail decision, where anything less than a perfect score feels like a reason to keep working.
In this episode, I talk about why I don’t believe a calculator should be the final authority on when you retire…
The skinny
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