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Learning LibraryPlain-language lessons across every money topic — read, watch, and go as deep as you want.OWN YouthFinancial literacy for the next generation — built for youth, parents and teachers.
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Territory 09 · Retirement

Make work optional — on purpose.

From the number you're aiming at to the income you'll one day draw. The knowledge behind a plan that turns work into a choice, built around real decisions rather than products.

$1.6m — an illustrative target for the lifestyle in this sample — a figure to aim at, not a feeling.

Lessons

  • Turning the life you want into a target number — Core · 6 min read
  • Time does the heavy lifting: why starting now matters — Easy · 4 min read
  • Filling the right accounts, in order — Core · 5 min read
  • Sequence risk: keeping the early years in cash — Advanced · 5 min read

Reads

  • What a retirement number really means — Featured · 6 min read
  • The order of withdrawals in retirement — Article · 5 min read
  • How much can you safely spend? — Article · 5 min read

Charts

  • Funded roadmap to retirement — See how this reads for the sample household
  • The gap to your target — See what closes it
  • Drawdown by account — Explore the withdrawal order

Open Retirement Planning in the app