We Have $2 Million, Can We Retire Early At 50?

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Are you in your early 50s and have saved $2 million?
Find out how soon you can retire while fulfilling your lifestyle and travel goals!
In this video, I'm sharing an analysis of a client's case study. We were looking for the best way to retire early in the 50s with a $2 million portfolio.
We explored key aspects, from healthcare costs to investment strategies, tax planning, and optimizing expenses.
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Time Stamp
00:00 Intro
01:20 Backstory and Context For Case Study
04:00 Maxing Out 2 IRAs
07:25 How Early Can I Retire With Confidence
10:05 Analyzing the Impact of Different Investment Strategies
14:42 How Much Do You Guys Want to Spend
16:00 Diversifying Investments Across Different Accounts
17:25 How Much Is Really Enough?
20:00 Summary
20:28 Work With Us
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Ari Taublieb, CFP®, MBA, is the Vice President of Root Financial Partners (Fiduciary) and host of the Early Retirement Podcast.
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⚠️ "DISCLAIMER:⚠️
All content is not to be received as financial advice, and each individual should consult with their dedicated financial planner, tax preparer, estate attorney, etc., before making any financial decisions.
This video contains content I created and got permission to use from its creators. This Channel DOES NOT Promote or encourage Any illegal activities; all contents provided by This Channel are meant for EDUCATIONAL AND ENTERTAINMENT purposes only.

[@markbernhardt6281]

So at 11:40 it was stated they could have 4500 per month plus 3600 in travel, which equals 6500 per month x 12 for 78,000 a year. Basically the 4% rule wins again for a couple with 2 mil in the market. Crazy.

[@markb8515]

Thanks Ari for another great video! It's always great to see how you make the decisions based on all the variables in your case studies.

[@user-js4ez2yz9b]

This content is very relevant. Thanks.

[@heidikamrath1951]

This was great, Ari. I like how you switch up so many variables and things change drastically as a result.

[@earlyretirementari]

Glad you liked it!

[@pedrozatravel]

Great analysis

[@davidfolts5893]

Excellent commentary; thanks, Ari!

[@earlyretirementari]

Glad you enjoyed it!

[@IramisandGerry]

Yay! I have been waiting for this! Thank you! My husband and I are documenting our journey on KZbin and this is import to us.

[@FamilyInsocal]

Nice video to see what's possible just by changing some variables. Thank you for showing us the thought process to see how we can retire sooner than the traditional 65.

[@earlyretirementari]

Glad you enjoyed it!

[@dutchcrunch91]

This was awesome to see you work through all of these variables! We are in a very similar situation as this couple but plus 2 kids to go to college and 2 rental properties that both sets of parents are living in. 👍

[@earlyretirementari]

Thanks for sharing!!

[@janethunt4037]

As usual, incredibly helpful, Ari. You just convinced me that we need to increase our travel budget for the next several years. Yes, a lot of moving parts in portfolio management decisions. I'm curious - What would be a good goal for them to end with and at what age?

[@earlyretirementari]

So glad!

[@vivekbansal6941]

In the charts, it is difficult to see the difference between current and proposed. Can I suggest a change in the program colors so it pops out more?

[@cassiusv]

First, appreciate your content!

[@jameschaves5723]

What this video shows me is that you have an incredible software program.

[@charliedog6119]

Where can I send my numbers for you to run a video?

[@davedeboy5726]

Correction-you can no longer take out spouses SS anymore. New law passed.

[@ryanretirement6662]

I retired at 33 years old, most of my investment is from single stock and crypto. I never invest in 401k and Roth IRA because those retirement account never help people retired at 35 years old or 50 years old.

[@roggiedale]

I'm tried of the bullshit I got millions can I retire. Now let's get in to this situation. Let's listen normal money saved and average SSA. Oh my goodness normal people money. Bring it around to normal people. Just saying. Oh I can't make money on this money scale please bring me millions to work with.

[@leftysidewinder]

Unfortunately $1M-$2M (especially pre-taxed) is not that much these days. In the state of CA, $1M can barely buy you a small starter home (1000-1500 square feet) in places like Los Angeles or San Diego, A starter home that needs to be either fixed up or new home that comes with 2% yearly real estate taxes/Mello Roos + HOAs.

[@chrisd6736]

Unfortunately you actually need millions to retire before age 65 in most parts of the country. Unless you have a large pension AND social security, it’s not going to be enough.

[@ariefraiser140]

​@@leftysidewinder$1-2 million IS THAT much these days. Listen can make a point without saying something that's obviously and comically false. $2 million is a lot of money and most people will never be able to accumulate that much for retirement. Even in the most expensive locations $2 million and a paid off house gives a person a solid middle class retirement. These fear mongering helps no one. It discourages people and some people who will never achieve multi millionaire status start thinking they can't retire. Don't do that to people. Especially since the numbers say you're wrong.