“How much should I be saving?” and “How much can I spend once I retire?” are the two questions I get asked more than anything else.

Almost every answer you’ll find online treats them as separate: save 15%, spend 4%, done.

But they’re actually the SAME question.

What you save while you’re working decides what you can spend when you stop, and how you plan to spend in retirement should decide how much you save right now.

Whether you’re 35 and building or 63 and about to flip the income switch, this episode connects the dots with the good, the bad, and the ugly of saving and spending.

You’ll also learn:

- How to calculate your real savings rate (employer match included) and your withdrawal rate

- The “double win” of saving more: you build FASTER and you shrink the retirement you need to fund

- Why the 4% rule is a starting point, not a plan

- Why rules of thumb built for average earners can leave high earners under-saving, and how to build YOUR OWN number from your actual spending

- Why a million dollars in a pre-tax 401(k) isn’t a million dollars of spending money, and why you want taxable, tax-deferred, and tax-free buckets

- How lifestyle creep, the cost of waiting, sequence of returns risk, and saving so well you forget to live can all derail the plan, and the fix for each

They’re not two questions. They’re ONE plan.

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You've built something real.

Let's make sure it stays that way.

I help business owners and high-achieving families build clear, practical financial plans that hold up when life doesn't go according to plan.

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Parallel Financial, LLC is a member firm of The Fiduciary Alliance, LLC, which is a registered investment adviser. More information about Parallel Financial can be found in Form ADV Part 2 which is available upon request. This website is for informational purposes only and should not be construed as investment advice or a recommendation to buy or sell any security or other investment, or to undertake any investment strategy. Opinions expressed herein are solely those of Parallel Financial, LLC, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation.

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