Can You Really Retire on $75K a Year?

We’ve all heard it:
“You’ll need less money in retirement than when you’re working.”

But let me challenge that.
More free time doesn’t mean fewer expenses—it often means more opportunities to spend.

Think about it:

• Want to travel to see your grandkids scattered across the country?

• Dreaming of picking up hobbies you never had time for before?

• Planning to stay active, healthy, and independent as long as possible?

All of that adds up—quickly.

If you’re okay with being a couch potato and not fully living out your retirement dreams, then you probably can retire on less money.  I don’t think I can.

So, Is $75,000 a Year Enough?

For some people, sure.
But for many women, especially those used to a certain lifestyle, it’s cutting it close.

Let’s say you’re used to living on $110,000 a year now.
Dropping down to $75K in retirement income may mean giving up:

• Frequent visits to family

• The freedom to say yes to adventures

• Your comfort zone when unexpected health issues show up

And if you’ve still got mortgage payments or help your kids/grandkids occasionally? You could be short by a mile.

What Is the Retirement Income Gap—and Do You Have One?

The income gap is the difference between:

✅ What you will have coming in during retirement (Social Security, pensions, retirement savings)
❌ And what you will need to live the life you want

It’s easy to overlook—until it’s too late to do much about it.  That’s why right now is the best time to explore it.

Work With a Pro (Yes, Like Me 😉)

Running the numbers can feel overwhelming.  But working with a professional means:

• Getting clear on your income gap

• Running real-life scenarios (not generic calculators)

• Exploring strategies to fill that gap efficiently

• Making use of the tax code to protect more of what’s yours

🎯 I help women like you calculate their retirement income gap and put a plan in place—while you still have time to make it work.

The Bottom Line to Retirement Income Planning

Don’t let someone else tell you what you should need in retirement.

You’re unique. Your life, dreams, and expenses will be too.

So ask yourself:

• Do I want freedom or restrictions in retirement?

• Am I assuming I’ll spend less just because I’m older?

• What will it cost to live the life I actually want?

Start exploring now—so you can retire with peace of mind later.

🔗 Want help calculating your retirement income gap and building a strategy to close it?

Let’s connect and get you clarity.