15d • General discussion
đź’° Retirement & Wellness: The Number No One Likes to Talk About
Let’s have an honest conversation about retirement—because financial stress is one of the biggest silent threats to long-term wellness.
In today’s economy, retirement isn’t about “stopping work.” It’s about buying back your time, your health, and your choices.
đź“Š The Reality in 2026 Dollars
Most financial planners now agree on a rough benchmark:
- To retire comfortably, you’ll likely need 25–30x your annual expenses
- If you want $75,000/year, that’s roughly $1.9–$2.25 million
- If you want $100,000/year, you’re closer to $2.5–$3 million
And that assumes:
- Inflation continues at “normal” levels
- Healthcare costs don’t spike dramatically
- You don’t want to downsize your lifestyle
That’s a lot of pressure to put solely on a 401(k), pension, or Social Security (which was never designed to fully support retirement anyway).
🧠Wellness Isn’t Just Physical
Chronic financial anxiety impacts:
- Sleep quality
- Hormone balance
- Decision-making
- Relationships
- Long-term health outcomes
In other words, financial wellness is health wellness.
🔄 The Question Worth Asking
Instead of asking:
“How much do I need to retire someday?”
A better question might be:
“How can I build income streams that reduce stress now, while still protecting my future?”
That could mean:
- Reducing reliance on a single employer
- Learning income-producing skills
- Creating flexibility instead of waiting for a magic age
- Prioritizing energy, clarity, and time—not just a number on a statement
🧩 Final Thought
Retirement shouldn’t feel like a finish line you’re sprinting toward while exhausted.
True wellness is designing a life where:
- Money supports your health
- Time supports your relationships
- And your future doesn’t depend on hope alone
Curious to hear your thoughts👇
What does “retirement” actually mean to you—freedom, security, purpose, or something else?
6
3 comments
đź’° Retirement & Wellness: The Number No One Likes to Talk About
powered by
skool.com/purely-rooted-8709
A supportive space to strengthen your immune system and manage stress with simple habits that fit your real, busy life.
Suggested communities
Powered by