Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

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Retiring early sounds simple when you only look at the balance sheet… until it doesn’t. In this episode of Real Personal Finance, Scott and Nick walk through why the real question isn’t “Is two million enough?” but “What does your life actually cost?”

They use a clear and approachable framework to cover the spending patterns, healthcare realities, tax traps, Social Security timing, and withdrawal strategies that can shape whether your plan holds up over decades or falls apart a few years into the future.

They also explore the levers you can pull if the math is close, like part-time work, test-driving lower spending, or optimizing which accounts to pull from. The goal? Invite you to think intentionally about what you're retiring to rather than just what you're retiring from.

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Nick Covyeau on LinkedIn
• Swell Financial

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Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.