$3,000 a Month in Retirement - How Much Do You REALLY Need?

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social

🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/

The 4% rule says you need $900,000 to generate $3,000 a month in retirement — but the average Social Security check is $2,087, which means your portfolio only needs to cover $913, and at 4% that’s $274,000, not $900,000. This video breaks down three completely different versions of that math depending on when you claim and your benefit amount, including a married couple scenario where combined Social Security already covers the target before touching a dollar of savings. The number every retirement calculator gives you is technically correct if your portfolio is your only income source — most people’s isn’t, and that gap is worth over $600,000.