Retiring at 64 With $2.1 Million Means Navigating a $10,500 Annual Gap Nobody Talks About

Quick Read A 3.9% withdrawal rate yields $81,900 annually but dividend income only covers $73,500. Medicare Part B premiums rose to $202.90 monthly in 2026. Total healthcare costs could reach $8,000 to $12,000 annually. Working one additional year delays withdrawals and increases Social Security benefits by roughly 8% per year until age 70. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. At 64 wit ...