How Long Can You ACTUALLY Live Off $500,000 In Retirement? (Surprising)

Is $500,000 enough to retire… or will you run out of money halfway through retirement?

Most people assume the answer is simple. It’s not.

In this video, we break down exactly how long $500,000 can last in retirement, depending on:

Your withdrawal rate
Inflation
Social Security timing
Healthcare costs
Where you live
And how flexible your spending really is

You’ll see why:

The “4% rule” isn’t as safe as people think
Social Security can double your retirement income
Claiming at the wrong age can cost you $10,000+ per year for life
Spending naturally drops as you age (and why that matters)
Healthcare and long-term care break most retirement plans
Being too conservative can actually increase your risk of running out of money

We’ll also cover real strategies that can make $500,000 last decades longer, including:

Dynamic spending instead of rigid withdrawal rules

Downsizing and housing equity strategies

Bucket investing (cash, bonds, stocks)

Part-time income and side hustles in retirement

Why front-loading experiences might be the smartest move

This isn’t theory.
It’s real math, real scenarios, and real decisions retirees face every day.