Darrow Wealth Management

"How much do I need to retire?"

It's one of the most common questions we hear — and the honest answer is: it depends on how much you plan to spend.

This article focuses on how much you might need to retire at 60. There's no single magic number, but we’ll walk you through the math — including Monte Carlo simulations across hypothetical portfolios between $2M to $15M to illustrate what different asset levels might support in annual spending.

Retiring at 60 isn't wildly early, but it does come with some unique challenges: you're still 2 years away from Social Security eligibility, 5 years from Medicare, and hopefully, decades away from the end of your retirement. For a healthy 60-year-old couple, there's a 74% chance at least one of them lives to 90.

Here are some key factors that contribute to determining how much is enough:

✅ Spending assumptions (which matter more than savings targets)
✅ Sequence-of-returns risk
✅ Bridging the healthcare gap before Medicare at 65
✅ Assets in taxable accounts for early retirement flexibility
✅ Monte Carlo risk simulations for a more realistic picture than straight-line calculators

Read the full breakdown here:

How Much Do I Need to Retire Comfortably At 60? | Darrow Wealth Management How much money do you need to retire at 60? Spending is the main driver determining whether a comfortable early retirement is attainable.

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