| https://www.ssa.gov/oact/STATS/table4c6.html |
SSA actuarial table |
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| https://www.stern.nyu.edu/~adamodar/pc/datasets/hist… |
NYU Stern data |
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| https://www.bls.gov/cpi/ |
BLS CPI data |
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| https://www.ssa.gov/myaccount/ |
ssa.gov/myaccount |
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| https://www.ssa.gov/OACT/FACTS/ |
SSA fact sheet |
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| https://www.aaii.com/journal/article/retirement-savi… |
4% rule |
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| https://www.fidelity.com/viewpoints/retirement/how-m… |
Fidelity savings guidelines |
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| https://www.aaii.com/journal/article/retirement-savi… |
Bengen (1994) |
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| https://www.irs.gov/pub/irs-drop/n-25-67.pdf |
IRS Notice 2025-67 |
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| https://www.ssa.gov/OACT/COLA/examplemax.html |
Social Security Administration |
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| https://www.ssa.gov/policy/docs/ssb/v75n1/v75n1p1.ht… |
SSA replacement rates |
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| https://www.aaii.com/journal/article/retirement-savi… |
William Bengen's withdrawal-rate research |
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| https://www.fidelity.com/viewpoints/retirement/how-m… |
Fidelity salary multipliers |
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| https://corporate.vanguard.com/content/dam/corp/rese… |
Vanguard, How America Saves 2025 |
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| https://corporate.vanguard.com/content/dam/corp/rese… |
Vanguard's 2025 How America Saves report |
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| https://www.fidelity.com/viewpoints/retirement/how-m… |
Fidelity Target |
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| https://corporate.vanguard.com/content/dam/corp/rese… |
Vanguard |
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| https://www.irs.gov/retirement-plans/plan-participan… |
IRS catch-up contribution limits |
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| https://www.ssa.gov/benefits/retirement/planner/dela… |
~8% per year past full retirement age |
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| https://www.fidelity.com/viewpoints/retirement/how-m… |
10 to 15 times your annual pre-retirement income |
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| https://corporate.vanguard.com/content/dam/corp/rese… |
Vanguard, 2024 data |
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| https://www.stern.nyu.edu/~adamodar/pc/datasets/hist… |
long-term historical returns |
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| https://www.ssa.gov/policy/docs/ssb/v75n1/v75n1p1.ht… |
30–40% of pre-retirement income |
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| https://www.ssa.gov/OACT/COLA/examplemax.html |
maximum benefit in 2026 is $4,152/month |
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| https://www.aaii.com/journal/article/retirement-savi… |
William Bengen's 1994 research |
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| https://corporate.vanguard.com/content/dam/corp/rese… |
Vanguard |
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| https://www.irs.gov/retirement-plans/plan-participan… |
catch-up contributions |
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| https://www.aaii.com/journal/article/retirement-savi… |
4% rule |
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| https://www.ssa.gov/policy/docs/ssb/v75n1/v75n1p1.ht… |
30% to 40% of pre-retirement income |
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| https://www.irs.gov/pub/irs-drop/n-25-67.pdf |
IRS Notice 2025-67 |
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| https://www.irs.gov/retirement-plans/plan-participan… |
limited access to retirement accounts |
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| https://www.medicare.gov/basics/get-started-with-med… |
Medicare |
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| https://www.ssa.gov/benefits/retirement/planner/ager… |
Social Security |
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