Retirement planning usually starts with your expected spending, savings, other income, and the number of years your money may need to last.
- Estimate annual retirement spending.
- Add up savings, investments, pensions, and Social Security.
- Plan for health care, taxes, and inflation.
- Test whether your savings could last through retirement.
I can’t see your accounts, balances, rates, or goals, so this is general guidance—not a personal answer.
