A friend told me her advisor said she only needed eight times her income to retire. I nearly spit out my drink. In this episode, we unpack the numbers behind this dangerously oversimplified advice—and walk through what it actually takes to retire without running out of money. From withdrawal rates to Monte Carlo simulations, we explore why conventional wisdom often falls short and what you need to do instead.

Whether you’re aiming for $100K or $1M in annual income, this is the retirement math no one talks about—but everyone needs to hear.