00:00 Intro
00:40 Setting The Stage
01:15 Social Security Foundation
01:45 The Portfolio Question
02:16 Assumptions We’re Making
02:21 Spending Patterns
03:24 Portfolio Returns
03:39 Putting It All Together
04:00 3% Withdrawal Scenario
05:45 4% Withdrawal Scenario
07:29 Adding A Military Pension
08:37 5% Withdrawal Scenario
10:01 Tiered Withdrawal Strategy
12:15 Higher Real Rate Of Return
15:42 Bloopers

Wondering if you can retire at 62 with $400,000 in your 401(k)? In this video, we break down exactly how far $400K can take you in retirement, how much income you might expect when combined with Social Security benefits, and what safe withdrawal rates like 3%, 4%, or 5% actually look like over time. We’ll explore portfolio longevity, tiered withdrawal strategies, and real-world spending patterns to help you see if $400,000 is enough for your retirement goals. Whether you’re planning early retirement or just want to maximize your Social Security and investments, this guide gives you the context and numbers you need.

Some of my favorite books: amzn.to/3KF3tlr
Camera & equipment I use: amzn.to/3Z20lof

Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

Join the family & subscribe to my channel here: youtube.com/c/ErinTalksMoney

Thanks for watching, I appreciate you!