what history actually did

Two more years at work: $1.55M more at 80 and $2.2M more at 95, on this plan.

Retire at 53 or at 55. The planner's Compare view runs both through every year of history since 1871. The gap is not two years of pay; it is what two years of pay and two fewer years of spending grow into.

You asked for the link. The planner every chart came from is one tap away; the slides are below if you want them again.

Open the planner Type in one paycheck. About three minutes, in the browser.

Slide 1 of 6: Two more years at work: $1.55M more at 80 and $2.2M more at 95, on this plan.

Slide 2 of 6: Retire at 53 on the left. At 55 on the right.

Slide 3 of 6: Fifty-five minus fifty-three: $1.55M at 80, $2.2M at 95.

Slide 4 of 6: Every case passes on more at 55. Eight of them stop running out.

Slide 5 of 6: Two years of saving in, two years of spending not out, and forty years of growth on both.

Slide 6 of 6: Save this for the year you pick a date.

Where to go next

Retire Plan

Type in one paycheck and it runs your plan through every year of market history since 1871, with the taxes worked out. About three minutes, in the browser.

Open it

Sources: Plan: age 45, $250,000 salary, $1.5M 401K, $150,000 Roth IRA, $400,000 taxable, 15% plus a 5% match, $120,000 a year in retirement, Social Security $4,000 at 67, California. 2026 dollars.; Engine output, paired across 106 cases since 1871, 2026 dollars.; Engine output, 2026 dollars..

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