T&TTOOLS & TRADESMONEY · FIELD MANUALSFREE PUNCH LIST
FREE TOOL · FIG. 11 · NO EMAIL WALL

Retirement Needs + The Bridge.

Two jobs, one bench. Size the nest egg you’ll need, then run the bridge math for retiring before the pension and Social Security kick in.

WHICH JOB?
$
REPLACEMENT % OF INCOME
$/MO
Grab yours from your ssa.gov statement.
$/MO
$
$/MO
25 YRS
1153045
MODE A · NEEDS
NEST EGG NEEDED (AT ~4%)
$750,000
~4% IS A COMMON REFERENCE POINT, NOT A RULE.
PROJECTED SAVINGS AT RETIREMENT
$519,544*
*ILLUSTRATIVE AT AN ASSUMED 7% AVERAGE ANNUAL RETURN, COMPOUNDED MONTHLY. NOT A PREDICTION OR A PROMISE.
GAP TO CLOSE$230,456

Many people in this spot close a gap like this by raising the monthly amount, working a couple more years, or trimming the replacement target — one lever at a time.

THAT’S A LICENSED-PRO CALL

Pension elections and Social Security timing are one-way doors — run yours with the fund office and a fee-only fiduciary before filing anything.

NOTHING YOU TYPE HERE IS STORED — IT RUNS IN YOUR BROWSER.
EDUCATION, NOT PERSONAL ADVICE — SEE THE FINE PRINT