Capitalmind looks at stocks, bonds, funds and the macro to bring you their view on the Indian financial markets. We discuss all things related to investing at our focussed podcast that keeps it simple. For more, go to capitalmind.in and to invest with us, visit capitalmindwealth.com
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Content provided by James Conole, CFP® and James Conole. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by James Conole, CFP® and James Conole or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.
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How Much Can We Expect to Spend in Retirement with a $4M Portfolio?
Manage episode 485221728 series 3307298
Content provided by James Conole, CFP® and James Conole. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by James Conole, CFP® and James Conole or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.
In this episode, we walk through a retirement planning scenario involving a couple in their early 60s with a $4 million investment portfolio. Their financial plan reveals something surprising: they may not need to wait until 65 to retire. Instead, thoughtful planning opens the door to retiring earlier—without compromising the lifestyle they value.
What we cover:
• A breakdown of how a $4 million portfolio can support early retirement
• Income sources, spending needs, and sustainable withdrawal strategies
• The impact of delaying Social Security to age 70 on long-term portfolio health
• How adjusting travel or discretionary expenses affects financial longevity
• Why the right financial plan is less about hitting a number—and more about designing a life
Whether you're working toward financial independence or already approaching retirement, this episode offers insight into how personalized planning can unlock real flexibility—regardless of your portfolio size.
Create Your Custom Strategy ⬇️
Chapters
1. Case Study of a $4M Retirement Plan (00:00:00)
2. Defining Clear Retirement Goals (00:01:28)
3. Income Sources (00:03:23)
4. Cash Flow Planning (00:04:55)
5. Calculating Withdrawal Rates (00:06:02)
6. Success Probability (00:09:47)
7. Where Are You Headed? (00:12:24)
8. What Happens If Your Plan Fails? (00:13:57)
9. Living With Financial Intentionality (00:15:20)
10. Final Thoughts & Disclaimer (00:17:30)
290 episodes
Share
Manage episode 485221728 series 3307298
Content provided by James Conole, CFP® and James Conole. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by James Conole, CFP® and James Conole or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.
In this episode, we walk through a retirement planning scenario involving a couple in their early 60s with a $4 million investment portfolio. Their financial plan reveals something surprising: they may not need to wait until 65 to retire. Instead, thoughtful planning opens the door to retiring earlier—without compromising the lifestyle they value.
What we cover:
• A breakdown of how a $4 million portfolio can support early retirement
• Income sources, spending needs, and sustainable withdrawal strategies
• The impact of delaying Social Security to age 70 on long-term portfolio health
• How adjusting travel or discretionary expenses affects financial longevity
• Why the right financial plan is less about hitting a number—and more about designing a life
Whether you're working toward financial independence or already approaching retirement, this episode offers insight into how personalized planning can unlock real flexibility—regardless of your portfolio size.
Create Your Custom Strategy ⬇️
Chapters
1. Case Study of a $4M Retirement Plan (00:00:00)
2. Defining Clear Retirement Goals (00:01:28)
3. Income Sources (00:03:23)
4. Cash Flow Planning (00:04:55)
5. Calculating Withdrawal Rates (00:06:02)
6. Success Probability (00:09:47)
7. Where Are You Headed? (00:12:24)
8. What Happens If Your Plan Fails? (00:13:57)
9. Living With Financial Intentionality (00:15:20)
10. Final Thoughts & Disclaimer (00:17:30)
290 episodes
All episodes
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Similar to Ready For Retirement
Capitalmind looks at stocks, bonds, funds and the macro to bring you their view on the Indian financial markets. We discuss all things related to investing at our focussed podcast that keeps it simple. For more, go to capitalmind.in and to invest with us, visit capitalmindwealth.com
…
continue reading
Motley Fool Money is a daily podcast for stock investors. Weekday episodes offer a long-term perspective on business news with The Motley Fool's investment analysts. Weekend shows are a mix of investing classes and longer-form interviews. The show is hosted by Dylan Lewis, Ricky Mulvey, and Mary Long.
…
continue reading
The show that helps you maximize your wealth by turning complex financial situations into actionable advice. On Your Money. Your Mission., we answer the questions you’ve been asking about -- financial planning, investing, retirement and everything in between. Whether you’re navigating the complexities of the market or looking for the best ways to save or spend your money, tune in to hear from experienced financial advisors with JFG. Walk away from each episode with savvy tips and financial t ...
…
continue reading
David Gardner, co-founder of The Motley Fool, is among the most respected and trusted sources on investing. As a best-selling author, hugely successful stock picker, and financial authority, David has led The Motley Fool’s growth into a worldwide investment and financial advisory services company. Each week David shares his insights into today's most innovative and disruptive publicly traded companies -- and how to profit from them by following his signature “Rule Breaker Investing” principles.
…
continue reading
An archive of each full weekday episode of the award-winning program presented by Stephen Grootes.
…
continue reading
Navigating today's global economy and deciphering investment choices can be an intricate endeavor. The influx of opinions and ever-shifting financial data adds to the challenge. For those committed to success, staying informed through market education and unbiased guidance is paramount. This realization has led an increasing number of individuals to integrate KPP Financial's 'InvestTalk' radio program and podcast into their investment strategies. InvestTalk, a daily program, delves into a ra ...
…
continue reading
Joshua J Sheats, MSFS, CFP, CLU, ChFC, CASL, CAP, RHU, REBC is a financial planner who teaches people how to live a rich life now while building a plan for financial freedom in 10 years or less. He mixes creative approaches to lifestyle design, deep-dive financial planning techniques, and hard-core business strategy to equip you with the knowledge and inspiration you need to build financial independence.
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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.
…
continue reading
Welcome to an exciting new season of the podcast Your Career: Choice or Chance? - as we dive into the ever-evolving world of GenAI in the Workplace and explore the latest trends, experiences, and career journeys shaping the future of work as AI is increasingly ingrained in it. Each episode provides fresh insights, addressing the transformative influence of GenAI in shaping the workforce of tomorrow, making it a must-listen for anyone interested in staying ahead in the ever-evolving world of ...
…
continue reading
Big tech is transforming every aspect of our world. But how, and at what cost? This season of Land of the Giants – The Disney Dilemma – focuses on Disney’s ability to weather the ups and downs of the business cycle and changing tastes and explores what has kept it successful for over 100 years. The entertainment giant has leveraged nostalgia and its intellectual property to build a beloved brand, but after an acquisition spree that included Marvel, Lucasfilm, and 20th Century Fox, can it sus ...
…
continue reading
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Go offline with the Player FM app!
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