cover of episode No Pension, Can I Still Retire?

No Pension, Can I Still Retire?

2024/11/9
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Jill on Money with Jill Schlesinger
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J
Jill
获得艾美奖和格蕾西奖的商业分析师，主持“Jill on Money”播客和广播秀。
M
Mark
从破产公司到上市企业的成功转型和多个子公司的建立
Topics
Mark: 我今年62岁，计划两年后退休并搬到佛罗里达州，但我没有养老金，需要寻求财务建议来规划退休收入。我的房产价值16万美元，但还有8万美元的抵押贷款。我计划购买价值25万到30万美元的房产。我的非退休资产包括7.5万美元的储蓄和1.5万美元的货币市场基金，退休资产包括110万美元的税前退休金和10万美元的Roth IRA。我目前每月生活费为3500美元，退休后预计每月需要6000美元。我67岁时每月可领取3155美元的社会保障金，70岁时每月可领取3954美元。我可以获得一年的COBRA医疗保险。 Jill: Mark的购房计划增加了额外的财务压力。如果他能够推迟退休时间，并继续工作到67岁领取全额社会保障金，他的财务状况会更好。我建议他至少再工作三年，甚至更久，以积累更多的非退休资产，减少对提前提取退休金的依赖。同时，他需要考虑税收的影响，并根据实际情况调整退休计划。我建议他制定一个五年计划，每年评估财务状况，并根据需要调整计划。此外，如果他能够继续工作到符合领取医疗保险的年龄，然后搬到佛罗里达州，继续兼职工作，这将是一个不错的选择。

Deep Dive

Chapters
Mark seeks advice on retiring in two years without a pension, considering his financial assets and future housing plans.
  • Mark plans to retire in two years and relocate to Florida.
  • He has a house worth $160,000 with an $80,000 mortgage and non-retirement assets of $75,000.
  • Mark's retirement assets include $1.1 million in a 401(k) and $110,000 in an IRA.
  • He expects to need $6,000 monthly for living expenses, including a mortgage.
  • Jill advises Mark to consider working longer to build up his non-retirement assets and delay Social Security benefits.

Shownotes Transcript

If I want to retire in two years, and relocate, can I do it even if I don't have a big fat pension?

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