How Long Your Money Actually Lasts in Retirement With $1.8 Million

Assuming you start with a 4% withdrawal rate and $72,000 in annual income, focusing on Social Security benefits takes on a higher priority. As it stands at the end of 2025, the average monthly benefit for Social Security recipients is approximately $1,920 or $23,000 annually, and this number roughly doubles for couples. Assuming these numbers are realistic, this would give someone with $1.8 million in household income an annual pre-tax income of between $110,000 and $120,000.Conservative planners who want t ...