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In this video, you will learn why you may not need as much money to retire as you think. Ahead we cover key areas such as retirement spending, the 4% rule, Social Security, taxes, healthcare costs, sequence of returns risk, and other practical strategies to estimate your retirement savings goal using your own numbers, not someone else's.

CHAPTERS

0:00 Do You Really Need $1.46 Million to Retire?
2:08 The Retirement Number Most People Get Wrong
4:44 Build Your Retirement Number Around Your Life
6:24 Why Your Spending Changes in Retirement
7:15 How Taxes Affect Your Retirement Savings Goal
9:25 Healthcare Costs Before Medicare
11:05 Sequence of Returns Risk Explained
12:08 How Social Security Changes Your Savings Goal
14:07 The Danger of Chasing a Bigger Retirement Number
14:30 Final Takeaways and Next Steps
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Geoffrey Schmidt, CPA Bio:
Geoff Schmidt is a CPA and member of the American Institute of Certified Public Accountants (AICPA). Geoff specializes in personal financial education for those approaching or in Retirement. Geoff spends 100% of this time on financial education through social media.

Legal disclaimer:

Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration, Centers for Medicare u0026 Medicaid Services or any government agency.