I'm 62. Can I Retire With $500k in a Roth IRA and $2,000 per Month Between Social Security and Pension? (2024)

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e=r.searchBoxForm.querySelector("[name=fr]"),n=r.searchBoxForm.querySelector("[name=fr2]");e&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr&&(e.value=i.searchBox.params.fr,e.disabled=!1),n&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr2&&(n.value=i.searchBox.params.fr2,n.disabled=!1),r.searchBoxForm.submit()}}),1e3)},r.recognition.onspeechstart=function(){},r.recognition.onspeechend=function(){r.recognition.stop()},r.recognition.onerror=function(){r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_error")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play()},r.recognition.onaudiostart=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.add("listening")},r.recognition.onaudioend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("listening")},r.recognition.onsoundstart=function(){r.hideTrending(r),r.noSpeech=!1,r.speechButtonContainer&&(r.speechButtonContainer.classList.remove("listening"),r.speechButtonContainer.classList.add("speaking"))},r.recognition.onsoundend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("speaking")},r.recognition.onstart=function(){r.recognitionInit(r),r.startRecognition(r)},r.recognition.onend=function(){r.isRecognitionStart=!1,0==r.noSpeech&&""==r.speechResult&&(r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_nomatch")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play())},document&&document.dispatchEvent&&document.dispatchEvent(new Event("VOICE_JS_READY"))}}o.I18n=m,o.prototype.renderPermissionGuide=function(e){var n='\n

    \n

    \n

    \n

    \n

    \n

    \n

    \n

    '.concat(e.i18n.t("search.voice.permission_title"),'

    \n

    ').concat(e.i18n.t("search.voice.permission_text"),"

    \n

    \n

    \n

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    \n

    \n

    \n

    \n

    \n

    \n \n \n \n \n \n \n

    \n

    \n

    \n \n \n '.concat(e.i18n.t("search.voice.recognition_retry"),'\n

    \n

    \n

    \n

    \n

    \n

    \n ').concat(e.i18n.t("search.voice.trending_title"),'\n \n

    \n

    \n

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t,o,i,r=e.getConfig();if(n.ybar&&"desktop"===r.device&&(null===(t=r.bucketConfig)||void 0===t?void 0:t.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){n.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=n.searchForm)||void 0===i||i.classList.add(Un[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Un.overlay,Un[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(n.searchForm,"focusout",(function(e){if(n.searchForm&&n.searchInput){var t=e.relatedTarget;t&&!n.searchForm.contains(t)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,n),zn(e,n),n.voiceSearchBtn&&function(e,n){var t=e.getConfig(),o=t.locale,i=function(){var e,t;(null===(t=null===(e=window.YAHOO)||void 0===e?void 0:e.Util)||void 0===t?void 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    I'm 62. Can I Retire With $500k in a Roth IRA and $2,000 per Month Between Social Security and Pension? (2024)

    FAQs

    I'm 62. Can I Retire With $500k in a Roth IRA and $2,000 per Month Between Social Security and Pension? ›

    With $500,000 in a Roth IRA and $2,000 in combined monthly Social Security and pension payments, you may be able to afford to retire at age 62. However, that will mean living on approximately $44,000 per year.

    Can you retire with 500k with a pension and Social Security? ›

    As we have established, retiring on $500k is entirely feasible. With the addition of Social Security benefits, this becomes even more of a possibility. In retirement, Social Security benefits can provide an additional $1,900 per month, on average. You can start receiving Social Security benefits as early as 62.

    Can I retire with $500,000 in IRA? ›

    Ultimately, whether you have enough to retire depends on your costs and your income. If you can live on a tight budget with the right circ*mstances, $2,000 a month from a pension and Social Security, combined with the right strategy with $500,000 in your Roth IRA may be enough to sustain you throughout your retirement.

    Can I retire at 62 with $400 000 in 401k? ›

    If you have $400,000 in the bank you can retire early at age 62, but it will be tight. The good news is that if you can keep working for just five more years, you are on track for a potentially quite comfortable retirement by full retirement age.

    Is $600,000 enough to retire at 62? ›

    Summary. It is possible to retire with $600,000 if you plan and budget accordingly. With an annual withdrawal of $40,000, you will have enough savings to last for over 20 years. Social Security retirement benefits can increase your monthly income by approximately $1,900.

    How much money can you make at 62 and still draw Social Security? ›

    The earnings limit increases (to $56,520 in 2023) for the calendar year in which you'll reach full retirement age. Starting in the month you hit your full retirement age, there is no longer an earnings limit. Your benefits will no longer be reduced regardless of how much income you have.

    What is the maximum Social Security benefit at age 62? ›

    If you wait until age 70 to claim, the maximum you can receive in 2024 is a whopping $4,873 per month. By claiming at age 67, the highest possible payment is $3,911 per month. And if you take Social Security at 62, the most you can collect is just $2,710 per month.

    Can I retire at 62 with $500 k in a Roth IRA and $2000 per month between pension and Social Security? ›

    With $500,000 in a Roth IRA and $2,000 in combined monthly Social Security and pension payments, you may be able to afford to retire at age 62. However, that will mean living on approximately $44,000 per year.

    What is a good monthly retirement income? ›

    Average Monthly Retirement Income

    According to data from the BLS, average 2022 incomes after taxes were as follows for older households: 65-74 years: $63,187 per year or $5,266 per month. 75 and older: $47,928 per year or $3,994 per month.

    What is the $1000 a month rule for retirement? ›

    According to the $1,000 per month rule, retirees can receive $1,000 per month if they withdraw 5% annually for every $240,000 they have set aside. For example, if you aim to take out $2,000 per month, you'll need to set aside $480,000. For $3,000 per month, you would need to save $720,000, and so on.

    What is a good amount of money to retire with at 62? ›

    Average retirement savings by age
    AgeAverage retirement savings (2022)Median retirement savings (2022)
    45 to 55$313,220$115,000
    55 to 64$537,560$185,000
    65 to 74$609,230$200,000
    75 or older$462,410$130,000
    2 more rows
    May 28, 2024

    What is the average 401k balance for a 62 year old? ›

    Average and median 401(k) balances by age
    Age rangeAverage balanceMedian balance
    35-44$76,354$28,318
    45-54$142,069$48,301
    55-64$207,874$71,168
    65+$232,710$70,620
    2 more rows
    Mar 13, 2024

    What is the average retirement income at age 62? ›

    Retirement Income Varies Widely By State
    StateAverage Retirement Income
    California$34,737
    Colorado$32,379
    Connecticut$32,052
    Delaware$31,283
    47 more rows
    Oct 30, 2023

    What should my net worth be at 62? ›

    According to Paces Ferry Wealth Advisors, Your net worth should equal six times your annual salary by this age. So, if your annual salary is $100,000, a net worth of around $600,000 would be on track for a comfortable retirement.

    Why 62 is the best age to retire? ›

    “It gives you higher monthly Social Security benefits, allows you to wait to go on Medicare for health insurance, allows your 401(k) to build if you have that, allows you time to pay off your mortgage on your house and reduces the number of years you have to support yourself with your accumulated retirement assets.”

    How much money should I have by age 62? ›

    How Much to Save for Retirement by Age
    Target Retirement Savings by Age
    AgeAnnual Salary
    506x annual salary
    608x annual salary
    6710x annual salary
    2 more rows

    Can I retire on a pension and Social Security? ›

    Yes, you can collect Social Security benefits if you have pension, but two rules might reduce your monthly benefit.

    Does Social Security income limit include pension? ›

    We don't count pensions, annuities, investment income, interest, veterans benefits, or other government or military retirement benefits. If you are eligible for retirement benefits this year and are still working, you can use our earnings test calculator to see how your earnings could affect your benefit payments.

    How much should I put away for retirement if I have a pension? ›

    It's the million-dollar question — quite literally: How much should I save for retirement? There is a general rule of thumb: When saving for retirement, most financial experts recommend an annual retirement savings goal of 10% to 15% of your pre-tax income.

    How long will $500,000 last year in retirement? ›

    If you have $500,000 in savings, then according to the 4% rule, you will have access to roughly $20,000 per year for 30 years. Retiring early will affect the amount of your Social Security benefit.

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