If You’re 40–60, How Much Money Do You Really Need to Retire?

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The median American between 55 and 65 has $89,000 saved for retirement — the Fidelity benchmark says they should have closer to $600,000, and most of them are 10 years or less from the retirement they’re imagining. This video breaks down why the “how much do I need” question is actually three questions — what you’ll spend, what Social Security will cover, and how many income streams you can build before you stop working — and why a $1,500 monthly dividend income stream reduces your required portfolio by $450,000 at the 4% rule. The number isn’t fixed, it moves based on decisions you’re still making — and building a portfolio that generates income without selling shares is a fundamentally different retirement than one you’re slowly liquidating.