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Rekond - Retirement Reality Check

Financially speaking, how do you see yourself?

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Financially speaking, how do you see yourself?

A

I'm pretty good with money — I save consistently and feel in control

B

I'm doing okay but could be better — heading in the right direction

C

I'm honestly not sure I'm on track — I avoid thinking about it too hard

What year do you plan to retire?

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What year do you plan to retire?

A

Before 2030

B

2030 — 2035

C

2035 — 2040

D

2040 or later

E

Not sure yet

What is your household monthly spending right now?

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What is your household monthly spending right now?

A

Under $4,000/month

B

$4,000 — $7,000/month

C

$7,000 — $10,000/month

D

Over $10,000/month

E

Honestly I'm not sure

What is your total retirement savings today? Include all 401(k), IRA, and investment accounts — not your home.

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What is your total retirement savings today? Include all 401(k), IRA, and investment accounts — not your home.

A

Under $250,000

B

$250,000 — $500,000

C

$500,000 — $1,000,000

D

$1,000,000 — $2,000,000

E

Over $2,000,000

Where is most of your retirement savings sitting?

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Where is most of your retirement savings sitting?

A

Mostly pre-tax — traditional 401(k) or IRA — I haven't paid taxes on it yet

B

A mix of pre-tax and Roth

C

Mostly Roth — I've already paid the taxes

D

Honestly I'm not sure

When do you plan to retire relative to Medicare eligibility? Medicare starts at 65.

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When do you plan to retire relative to Medicare eligibility? Medicare starts at 65.

A

I'll retire at 65 or later — Medicare covers me from day one

B

1 to 3 years before 65 — short bridge needed

C

4 or more years before 65 — significant gap

D

Haven't figured this out yet

Have you run a Social Security claiming strategy?

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Have you run a Social Security claiming strategy?

A

Yes — I know my break-even age and optimal claiming date

B

Somewhat — I know the general tradeoffs but haven't run the numbers

C

No — I'll figure it out when I get there

D

I plan to claim as early as possible at 62

Do you know your actual monthly spending number — not a guess, a real number you could defend?

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Do you know your actual monthly spending number — not a guess, a real number you could defend?

A

Yes — I track it and know it cold

B

Roughly — within $500 per month probably

C

I'm honestly guessing

D

I've never really added it up

Where should we send your Rekond results?

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