FoF: 🎯 You Never Lived on 100% of Your Income. Why Retire on It?

On this weeks Facts Over Feelings Episode on the 9innings Podcast Station... A couple earning $150,000 may be living on closer to $102,500, not the full amount a retirement calculator might tell them to replace. This episode breaks down where the rest goes, from taxes and retirement savings to health benefits, and shows why two households with the same income can have very different retirement needs. It also examines expenses that may disappear, how Medicare can change healthcare costs, and why retirement spending often rises, falls, then climbs again later in life. The takeaway: plan around your real spending, Social Security, and portfolio withdrawals, not a one-size-fits-all income replacement percentage. 00:00 – The Biggest Retirement Income Myth 02:41 – Why You Don't Need to Replace Your Gross Income 06:31 – Expenses That Disappear in Retirement 10:07 – Healthcare Costs: What Really Changes? 14:09 – Calculating What You Actually Need to Retire NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2ei... Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-... Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idiscl...