Life in Weeks
4,680 weeks. That's a 90-year life. Some are behind you. The rest are where your plan lives.
From age 67 to 90, you'll spend approximately 23 years in retirement — that's 1,196 weeks of living expenses to fund without a paycheck.
Using the 4% withdrawal guideline, funding $4,000/month in supplemental retirement income requires a portfolio of approximately $1,200,000. That number isn't a wall — it's a target, built one paycheck at a time during the first half of your financial life.
The first half is where you build. The second half is where you live on what you built. The weeks in between are what connect the two.
Fidelity's research suggests a savings-by-age benchmark: 1× salary by 30, 3× by 40, 6× by 50, 8× by 60. These aren't rules — they're reference points. Where you stand matters far less than whether you have a clear, personalized plan.
This is the first half of your financial life.
The weeks behind you are fixed. The weeks ahead are where your plan lives. Saratoga Capital Management works with Millennial and Gen X clients to build practical, personalized financial plans — no jargon, no one-size-fits-all answers.
Start Your First Half Plan