Retiring in 2027? These Are the 7 Decisions You Need to Make Right Now
If you’re planning to retire in 2027, the clock is already ticking on the decisions that matter most. In this episode, I walk through the seven things you need to figure out before the end of 2026, from pinning down what you actually spend to building your cash runway and stress testing your plan against the next market decline.
Tune into this episode to find out:
(00:00) Why millions in savings doesn’t mean you’re ready
(00:40) #1 – Nail down what you’re truly spending each month
(03:00) Why your income is a terrible predictor of retirement spending
(04:00) Add a 20% buffer to your current monthly spending
(06:15) #2 – Factor in Social Security, pension, and fixed income
(07:40) #3 – Build two years of cash before you retire
(09:35) #4 – Decide which accounts to withdraw from first
(13:30) #5 – Plan your health insurance coverage before Medicare
(16:30) #6 – Analyze whether Roth conversions make sense for you
(19:20) #7 – Stress test your plan against a market decline
👉 Work With Us: https://www.rivertreewealth.com/get-started
✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers
Email: jacob@rivertreewealth.com
Website: https://www.rivertreewealth.com
LinkedIn: https://www.linkedin.com/in/jacobduke
Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.
DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.
