In this retirement planning case study, financial planner Ryan Rinehart walks through the numbers for Mark and Debbie, both 62 with $2 million saved, to show why retiring at 63 instead of 65 could be the smarter move. He stress-tests their plan against health care costs, inflation, and withdrawal rates, revealing that their probability of success only drops from 97% to 89%—still well within what he considers the ideal range. The video also reframes the cost of working longer in non-financial terms: 4,000 hours of lost retirement time, 104 missed rounds of golf, and 13% fewer “go-go years” during their healthiest decade.
