Will your money actually last?

What this means

• At 3% inflation, your $50k spending becomes ~$70k in 15 years.
• Your guaranteed income (Social Security) grows with inflation—your real hero.
• Your savings must bridge the gap AND grow to keep up.
• A 5% return only beats 3% inflation by 2%—thin margins.

Your real options

• Work longer. Even 3 more years changes everything.
• Spend less. Every $5k cut today saves $100k+ over retirement.
• Delay Social Security. Each year you wait adds ~8% permanently.
• Get a fiduciary advisor. Tax strategies and sequencing moves you'd miss alone.
• Downsize your home. If you're house-rich, a reverse mortgage or sale could solve this.