Did Your Kids Recently Graduate From College? | Balance Your Wealth
October 8, 2025
This month, the Balance Wealth team takes on one of the most common retirement questions: Is $1 million really enough? They break down why that old benchmark might not hold up anymore and walk through smarter ways to calculate what you actually need based on lifestyle, taxes, and healthcare costs.
From income replacement to inflation, Social Security timing to investment drawdowns, this conversation is about setting realistic expectations and building a plan that lasts.
What You’ll Learn:
💰 Why $1M Isn’t the Same as It Used to Be – The effects of inflation, taxes, and rising healthcare costs.
📊 The 4% Rule Revisited – Why the old withdrawal rule doesn’t always work in today’s market.
👵🏼 Social Security’s Role – How claiming age can make or break your income stream.
🏠 Housing & Lifestyle Choices – Downsizing, relocating, and how lifestyle shifts change your retirement math.
📉 Sequence of Returns Risk – Why the timing of market downturns matters more than you think.
Why It Matters:
Whether you’re 5 years from retirement or already in it, understanding your “real number” means less stress and more confidence. This episode gives you the tools and examples to make sure your plan matches your future.
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We’re dropping new episodes bi-monthly on the 2nd and 4th Wednesday of every month, so make sure to subscribe and never miss an update. Follow along here: https://www.youtube.com/@BalanceWealthOH
👉 Drop a comment with your mid-year financial goals—we’d love to hear them!
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This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.