How Much Do I Need To Spend $20k/Month In Retirement?

Video Description

How much do you really need to spend $20,000 a month in retirement? In this episode, Ari Taublieb, CFP® and host of the Early Retirement Podcast, breaks down a real case study of a couple with nearly $6M in net worth and a $4M portfolio. Their question: is it enough to cover $20K a month after taxes and inflation? Instead of relying on the 4% or 5% rule, this video shows why withdrawal rates tell a clearer story. You’ll see how healthcare costs, long-term care, and travel goals impact sustainability and how downsizing a home can instantly add millions back into a retirement plan. The case study reveals common mistakes people make when aiming for big monthly spending, from overspending too early to being too conservative and missing out on the years when health and energy are highest. Ari also highlights the role of tax strategy, Social Security, and asset allocation in keeping a plan on track. If you’ve ever wondered what it really takes to support a $20K monthly lifestyle in retirement, this guide shows the numbers, the trade-offs, and the strategies that can make it possible. At Root Financial, the focus is on building retirement plans that go beyond the numbers, so you can spend confidently, live fully, and still protect your future. Interested in a custom strategy to retire early? → https://www.rootfinancial.com/start-here/ Get access to the same software I use in my videos and join the Early Retirement Academy here → https://ari-taublieb.mykajabi.com/early-retirement-academy –––––––––––––––––––––––––––––– Time Stamp 00:00 - Focusing on Withdrawal Rate 04:09 - Case Study: Couple with $M in Investments 09:12 - What You Need to Consider 13:13 - Work With Root & Disclaimer –––––––––––––––––––––––––––––– PODCAST - https://earlyretirementpodcast.com/ INSTAGRAM - https://www.instagram.com/earlyretirementari/ LINKEDIN - https://www.linkedin.com/in/aritaublieb/ What video topic would you like to see discussed in a future video? Ari Taublieb, CFP®, MBA, is the Chief Growth Officer of Root Financial Partners (Fiduciary) and host of the Early Retirement Podcast. –––––––––––––––––––––––––––––– 📣 Are you taking advantage of tax planning before 2026? Most people hoping to retire early know they're leaving money on the table but don't know how to fix it. 👉 Subscribe to our channel and press the bell icon. ––––––––––––––––––––––––––––– Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended 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. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.