How much money do I need to retire at 65?
January 2, 2026
Planning to retire at 65 brings access to Medicare, Social Security, and new opportunities to optimize your retirement income, taxes, and wealth strategy. This article explains how much you may need to retire at 65 based on your spending level, how IRMAA surcharges and Required Minimum Distributions affect high-earning retirees, and the strategies you can use to manage withdrawals, healthcare costs, and legacy planning more efficiently.
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