From Stocks on the Rise <[email protected]>
Subject Is $2.5M Enough to Retire Comfortably?
Date September 17, 2026 3:34 PM
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Wondering how much you can actually spend each year in retirement?





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How Long Does $2.5M Last in Retirement?


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If you have $2.5 million saved, you're well ahead of most Americans.



But how long that money lasts
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may depend less on the balance itself—and more on the decisions you make with
it.



Wondering how much you can actually spend each year in retirement?



Using the 4% rule as a benchmark, you'd hypothetically withdraw about $100,000
in the first year (4% of $2.5 M), increasing slightly each year for inflation.



However, there may be potential downsides to the 4% rule, and it may not be
the right strategy for your portfolio.



A financial advisor
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may be able to size and structure your retirement budget based on your income
sources, spending needs, tax situation, and goals - so you know what's
realistic for you.



SmartAsset's free quiz
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can help you find and compare vetted financial advisors who serve your area,
each legally bound to work in your best interest.



It's never too late to plan to work toward a comfortable retirement.

Get Your Financial Advisor Matches
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This is a hypothetical example and is not representative of any specific
security. Actual results whenworking with a financial advisor will vary.



This scenario is for illustrative purposes only and does not represent an
actual client. Results may vary.



This is not an offer to buy or sell any security or interest. All investing
involves risk, including loss ofprincipal. Working with an adviser may come
with potential downsides such as payment of fees (whichwill reduce returns).
Past performance is not a guarantee of future results. There are no guarantees
thatworking with an adviser will yield positive returns. The existence of a
fiduciary duty does not preventthe rise of potential conflicts of interest.



SmartAsset.com is not intended to provide legal advice, tax advice, accounting
advice or financialadvice (Other than referring users to third party advisers
registered or chartered as fiduciaries("Adviser(s)") with a regulatory body in
the United States). The article and opinions in this publication arefor general
information only and are not intended to provide specific advice or
recommendations forany individual. We suggest that you consult your accountant,
tax, or legal advisor with regard to yourindividual situation.



SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of
Financial Insight Technology, isregistered with the U.S. Securities and
Exchange Commission as an investment adviser. SmartAsset'sservices are limited
to referring users to third party advisers registered or chartered as
fiduciaries("Adviser(s)") with a regulatory body in the United States that have
elected to participate in ourmatching platform based on information gathered
from users through our online questionnaire.



SmartAsset receives compensation from Advisers for our services. SmartAsset
does not review theongoing performance of any Adviser, participate in the
management of any user's account by anAdviser or provide advice regarding
specific investments.



We do not manage client funds or hold custody of assets, we help users connect
with relevant financialadvisors.




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