How Much Do I Need To Spend $12k/month in Retirement?

Your knowledge, enthusiasm and communication skills make you an awesome retirement planning, YouTuber, Ari! I learn something from every episode you post, thank you for the FREE content!

Just stumbled across your podcast for the first time the other day. Your insights are REALLY helpful and valuable. Thank you and keep up the great work!

Ari, I’m so glad I found your channel. You explain these concepts well, and the use of clearly explained examples with charts makes your content better than the others on YouTube. Liked and subscribed!

Thanks Ari. This case study was very helpful and you make it very easy to understand.

I've been binging financial YouTube and you are an excellent presenter if this sort of information. Keep it up!

Nicely done Ari... been watching retirement videos for quite some time... you are fun to listen to

A scenario that included buying a second house in retirement, a Snowbird scenario,would be great. Thanks Ari

Someone who acknowledges inflation, kudos

Love these case study videos. Could you do one on a couple that's planning to retire even earlier (40's)? Interested to see what that looks like with Roth conversions, etc.

This was great! I would love to see you make a video on thinking through when to take Social Security in light of a good portfolio of Traditional IRAs, Roth IRAs, with consideration with Roth conversions. (I feel like I'm at Burger King asking for extra pickles and extra mayo on a Whopper.) I'm currently trying to decide whether to delay taking SS in order to do more Roth conversions.

Thanks, very informative.

Great videos! Liked/Subscribed. :-)

You are so fun to listen to! You’re excited and knowledgeable and I enjoy your videos. Now, if only I had $3M to retire with😂 I also wonder how one really knows how to plan for healthcare if retiring early? Like ballpark figure to plan yearly to give an idea?

Ari, does Root's retirement planning academy software cover California state tax? And the software will be updated annually right?

First time watching one of your videos, and I appreciate it your enthusiasm and knowledge. I can't say that I learned anything truy new, but you have reinforced concepts from a slightly different perspective, which gives me confidence that I am approaching my retirement decision correctly. I do have one question - When looking at the "results" for your client, I couldn't tell if you were running a monte carlo simulation (1,000 or more tests with differing outlooks for market) of if this was just a single simulation. I have zero doubts that you employ monte carlo simulations, os something similar, in your work with clients, but I wanted to have a better understanding of what I was looking at in your presentation. My reasons are a little selfish - your client's net worth/ages/income are remarkable close to me and my wife! Thanks in advance for any insights you can provide.

Is it better to take the health care subsidies or do a roth conversion between ages 60 and 65?

I would love a video that compares the difference in value between doing limited Roth conversions and saving drastically on healthcare with ACA subsidies (retiring at 55) vs larger Roth conversions and paying full price for health insurance.

If we want to take advantage of the largest ACA subsidies to offset the cost of medical insurance premiums before 65, can we convert qualified $ to Roth $s so that it's not counted against is in qualifying for a subsidy? or, do we have to live off existing Roth $s to maximize the ACA subsidy?

2.75%? That isn't bad, but 2.25% is better! I am riding that rate all the way to the 30-year mark! In all seriousness, this couple is on track for a great retirement and they should feel exceptionally good knowing that!

I appreciate your energy and the info shared, specifically as you had added focus on annual spending. I am a CPA that, though, now, retired, is still learning the retirement ropes. Two factors you didn’t sufficiently cover, even at a high level, were the effects of inflation and our Medicare girlfriend, IRMAA. …Particularly when talking about the pros and cons of Roth conversions. My focus is on helping those with significantly less in cash investments, but would be happy to share shop talk with you.