We have a $3M Retirement Portfolio. How Much Can We Spend Without Running Out of Money?

Magic runs on misdirection — watch the left hand while the right hand does the work. Retirement has the same trick built in. That big balance on your statement is the left hand. The number that actually decides whether you run out is a fraction: what you pull, divided by what you have. $120,000 a year sounds like a lot — until Social Security covers its share and the portfolio's real job is 2 or 3%. In this video: the couple with $3M+ who feared running out and turned out to be underspending, why $1,000 a month of extra income equals $300,000 of portfolio you don't need, why two couples with identical balances can have completely different retirements, and the future-dollars illusion that makes an $8M projection buy about half what it looks like. Most careful savers aren't at risk of running out. They're at risk of dying with a pile they were scared to enjoy. Find your real rate. Free Retirement Readiness Score — a couple of minutes, not a test you can fail. Link below. https://form.typeform.com/to/Th5f9Anm Disclaimer: Advisory services are offered through Kingsley Wealth Partners, a registered investment adviser. This content is for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship, which is established only through a written agreement. Investing involves risk, past performance does not guarantee future results, and any opinions expressed are subject to change. Third-party comments reflect the views of the individual commenters and should not be considered endorsements, testimonials, or financial advice.