Can I retire in the next few years?
Start with the retirement timing guide if your decision is close and you need to test spending, Social Security, taxes, and early-market risk together.
Start with the retirement timing guideRetirement Readiness Guides
Articles for affluent pre-retirees weighing retirement timing, safe spending, Social Security, taxes, and downside risk. These guides are written to help you ask better planning questions before you stop working, not to replace personalized financial, tax, investment, or legal advice.
Retirement readiness topics
Start with the decision closest to your household: timing, spending durability, or downside-risk testing. Each topic links to a deeper guide and to Pathwyze pages where you can model the tradeoff directly.
Retirement timing
Use retirement-date scenarios to see whether working one or two more years materially changes spending durability.
Safe spending and withdrawal risk
Estimate how long savings may last when inflation, return order, and annual spending move away from the average case.
Downside planning
Compare single projections with outcome ranges so sequence risk and bad first years are visible before retirement begins.
Related planning questions
How long will my savings last?
Use the withdrawal guide to compare annual spending, inflation, and return assumptions instead of relying on a fixed calendar estimate.
Read the savings durability guideWhy do average-return projections feel misleading?
Read the Monte Carlo guide to understand why the same average return can produce very different retirement outcomes.
Review outcome-range planningCan I Retire in 5 Years? A Retirement Readiness Checklist for Households With $750k+ Saved
If retirement is 1 to 5 years away, the real question is whether your savings, spending, Social Security timing, taxes, and early-market risk still support the life you want.
·Pathwyze Team·7 min read
retirement readinesscan i retirepre-retirement planningsocial securitytax planning
How Long Will My Retirement Savings Last?
A retirement portfolio does not run out on a schedule. Spending, inflation, returns, and bad timing all change the answer.
·Pathwyze Team·5 min read
retirementwithdrawal rateretirement incomesequence risk
Why One Projection Can Mislead You in Retirement
Average returns hide sequence risk. Outcome ranges show what actually changes the odds.
·Pathwyze Team·3 min read
investingretirementmonte carlorisk
Why a 10-Year Head Start Beats Decades of Catch-Up
Starting early is a math advantage that later saving rarely catches up to.
·Pathwyze Team·2 min read
investingretirementcompound interest