Do You Really Have Enough for Retirement? The Real Math Might Shock You

Let’s cut straight to it: most people have no idea how much money they actually need to retire. And worse, even fewer are prepared for what happens after they retire.

So let’s play this out. Say you want to retire at 67 and live a modest life—nothing crazy, just $100,000 a year for the next 30 years. That’s $3 million. Simple, right?

Not so fast.

You’d need to have $3 million saved and ready to go by the time you hit 67 if you want to withdraw that $100K annually without worrying about running out. But that’s assuming the market behaves, inflation stays in check, taxes don’t increase, and you don’t live past 97. In today’s world? That’s wishful thinking.

Let’s break down the perfect storm that’s making retirement so uncertain for so many Americans:

• Market Volatility: We’ve seen massive swings in the market, and retirees depending on their 401(k) or IRAs are finding out the hard way that what goes up can come down—hard.
• Taxes: You deferred taxes thinking you'd pay less in retirement, but what if taxes go up? That nest egg suddenly doesn't stretch as far.
• Inflation: That $100K you think you need today? In 10–15 years, it might feel like $60K. Everything costs more, and your money buys less.
• Longevity: People are living longer—which is great—but it also means your money has to work harder and last longer.

This is why accumulation isn’t enough. It’s not just about how much money you have. It’s about how your money works for you.

So let’s shift focus.

Let’s stop obsessing over hitting a number and start thinking in terms of control, guarantees, and cash flow. The first part of your life was about trading time for money. Now it’s time for your money to go to work for you.

What if instead of worrying about what the market will do, you have assets that produce income no matter what?

I’m talking about putting your dollars into things like:

• Hard money lending
• Land development
• Rental real estate
• Flipping high-demand equipment (yes—even tractors)
• Treasury bonds
• Private lending with financial friends
  

You don’t have to know everything—you just need to be willing to learn something new and surround yourself with people who are already doing it. Success always leaves clues.

And here’s the game-changer: when you combine these strategies with your infinite banking policy, everything changes for the better.

Your policy is growing, guaranteed, in the background. Meanwhile, you're recycling that money into opportunities that generate spread—meaning your money is working in two places at once. That’s leverage. That’s freedom.

The goal isn’t to save a pile of cash and hope it lasts. The goal is to create consistent, reliable cash flow that keeps you in control, no matter what’s happening in the economy.

This isn’t theory. This is how the financially free think—and act.

So ask yourself: are you building a retirement plan based on hope, or on control? Are you betting on perfect market conditions, or creating guaranteed outcomes?

Let’s stop working for money—and start having our money work for us.