A question worth putting on paper

“Could I stop
working
at 60?”

Alex is 55. There are savings, a pension on the horizon, and a life after work to think about.

But do the numbers add up?

Follow Alex’s story

A fictional person. A working example. No sign-up.

ALEX’S STARTING FIGURESAge 55

First, write it down.

What’s saved.
What life might cost.

55YEARS OLD

Already saved: $500,000
Adding each year: $12,000
Retirement spending goal: $50,000 / year

Next: work out how the pieces fit.

Illustrative figures · spending in 2026 dollars

CONTENTS: FIGURES / POSSIBILITIES / NOTESA FICTIONAL PLAN, WORKED THROUGH

01 The starting point

The pieces are there.
Let’s put them together.

Alex knows what’s in the retirement account. There’s an idea of what life might cost, too. The missing piece is how savings and future income work together over time.

FlorinDash brings those figures into one plan, so there’s something concrete to examine.

ALEX’S RETIREMENT INCOMEExample inputs

A pension begins

A hypothetical amount, entered for this example.

$36,000per year, before tax

Social Security follows

An example benefit, rising with inflation.

$24,000per year in 2026 dollars

Savings fill the gaps

The plan estimates the withdrawals needed along the way.

The pension starts at the retirement age selected below. These amounts do not establish benefit eligibility.

02 A different possibility

What if Alex works
two more years?

More time to save. Fewer years to fund.
Change the retirement age and see
what that does to this example.

WORKSHEET 02 / A retirement dateALEX’S FICTIONAL PLAN

Compare a retirement date

Retire at 60Retire at 62

Projected portfolio at retirement

Loading example…

Calculated with FlorinDash’s projection engine

Projected spending through age 90Calculating…Under the assumptions below

How the portfolio could changeFuture dollars · fixed-return example

View the yearly figures

Projected portfolio at each age, in future dollars
Age	Portfolio

This is a limited interactive example, not your financial plan. Nothing you change here is saved.

03 A clearer perspective

The answer starts
to take shape.

In this example, both retirement dates cover Alex’s modeled spending through age 90. Working until 62 leaves a larger projected portfolio at retirement.

That gives Alex a tradeoff to consider: more time away from work, or more financial room. The assumptions still deserve a closer look.

How FlorinDash calculates the estimates

Keep the workings with the answer

Every story has assumptions.
Here are Alex’s.

Money going in and out

Alex starts at 55 with $500,000 in a Roth IRA and $100,000 annual gross pay. Annual brokerage savings start at $12,000 in 2026 dollars and rise with inflation while working. Retirement spending starts at $50,000 a year in 2026 dollars and rises with inflation.

Pension and Social Security

The hypothetical $36,000 annual gross pension begins at the selected retirement age and has no cost-of-living adjustment. The Social Security example is $24,000 a year in 2026 dollars, starts at 67, and rises with inflation. Use verified statements and benefit eligibility information for your own plan.

Returns, inflation, and taxes

The example uses a fixed 5% nominal annual investment return, 2.5% inflation, a representative 22% ordinary tax rate and 15% capital-gains rate. It projects through age 90. Portfolio values are future dollars and are not adjusted for inflation. Actual returns vary, and the order of good and bad market years matters.

What this example leaves out

State and local taxes, Medicare premiums and IRMAA are excluded. Alex has no modeled debt or separate education goal. Healthcare, spending changes, benefit eligibility and individual tax circumstances need separate review. FlorinDash provides planning estimates, not financial advice or a guarantee.

There’s room for your story, too

Your numbers.
Your next chapter.

FlorinDash helps you connect the pieces
before choosing a retirement date.

Explore Alex’s example

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“Could I stop working at 60?”

What’s saved. What life might cost.

The pieces are there. Let’s put them together.