How Much Do You Really Need to Retire?

Brad breaks down one of the most misunderstood questions in personal finance: How much do you really need to retire? He challenges common rules of thumb like the \$1 million target and the 80% income replacement rule, showing why they often fall short. Instead, Brad outlines a practical, personalized 3-step approach to retirement planning—understanding your spending, calculating guaranteed income, and determining your nest egg using a customized withdrawal strategy. With relatable examples and a clear explanation of fixed income tools like annuities, he emphasizes that retirement readiness is less about hitting a universal number and more about building confidence and security based on your real-life needs.