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In this episode of The Personal Finance Podcast, Andrew reveals how millions of Americans retire with far less than $1 million—the median retiree age 65-74 has only $200,000 saved and 40% live solely on Social Security. He breaks down how people make it work by relying on Social Security, paid-off homes, modest spending, and part-time work, exposes the hidden costs of "barely getting by" retirement, and shares a practical gameplan if you're behind so you can aim higher than just survival.
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Resources Mentioned
The Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/
Links of the Episode Mentioned:
The 1-3-6 Method For Building & Managing Your Emergency Fund https://www.thepersonalfinancepodcast.com/the-1-3-6-method-for-building-managing-your-emergency-fund/
The Average Retirement Savings By AGE! (2025 Edition) https://www.thepersonalfinancepodcast.com/the-average-retirement-savings-by-age-2025-edition/
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