Why 2 Retirees With the Same $1M Plan Ended $3M Apart

Stay Wealthy Retirement Podcast · May 21, 2026 · 23m

Two retirees. Same $1 million portfolio. Same 60/40 allocation. Same 4% withdrawal rate. Same 30-year retirement.

The only difference?

One retired in 1973. The other retired in 1975.

Fast forward 30 years: one finished with about $280,000 and the other finished with over $3 million.

Same plan. Just two years apart.

In this episode, I'm breaking down new research that analyzes nearly a century of market history to answer a question most retirement plans don't spend enough time on:

"How much does your exact retirement date shape the outcome of your plan?"

Here's what you'll learn:

→ Why…