Can You Retire on $250,000? Rethinking the Plan

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Could American's Retire on $250,000? Why Most Americans Need a New Strategy

The million-dollar retirement dream dominates financial planning conversations, but the 2025 Retirement Confidence Survey paints a different picture. A significant portion of American workers are tracking toward retirement nest eggs closer to $250,000 than seven figures. This gap between aspiration and reality creates important implications for how we think about retirement planning, income generation, and portfolio construction in the years ahead. The data forces an uncomfortable question: Can you actually retire on $250,000?

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"We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten." — Bill Gates

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