this post was submitted on 01 Jan 2025
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Seems high. My wife and I are retired in Seattle with about half that net worth, which includes our home value (which isn't even paid off).
In Seattle, or in Kitsap county? I'm also guessing that you don't have massive medical bills.
Seattle not Kitsap, no massive med bills.
I used Kitsap as an example. I've noticed that plenty of people will say "Seattle" but actually live in a town well outside the city with far lower housing costs.
We live inside the city limits in a larger house with a relatively hefty mortgage that accounts for the majority of our annual costs, despite the good APR. The biannual chemotherapy is a similar majority of the medical bills.
Could probably make it work with less, but that's the shortfall from my back-of-the envelope math. Actually just started working with a financial advisor to figure out how to make it happen.
We're inside the Seattle limits. I highly recommend getting a financial advisor. Ours charges 1% of the fund as an annual fee, and consistently grows it by 8-10%/year, which is better than I could do and zero effort. Our fund is actually getting bigger even though we live off the income + SS. The goal is to give our daughters a nice inheritance, not hand it over to some corporate nursing home so we can sit for an extra couple years waiting to die. If that choice ever comes up I'll be off to Switzerland to use one of their nighty-night nitrogen pods, which are legal there but not here in Freedomland. Anyway good luck!
I'm still a long way from being able to dip into SS, but my partner would at least qualify for Medicare within the next decade, which would help significantly.
The mortgage should be paid off just a few months after I qualify for SS, so that would definitely help me coast at that point, but I aim to exit the grind far before then.