If you’ve been saving and investing for decades, you’ve probably gotten one piece of advice on repeat: save more, max out the accounts, don’t stop. It’s good advice — until it isn’t. There’s a point where an extra dollar of contributions stops moving the needle, and most people never get told when that point arrives or what it means for early retirement. Instead, they keep working and saving well past the point their portfolio could carry them, and end up part of the majority of American retirees who die with 95% or more of their starting retirement balance still sitting untouched.

The good news: figuring out where you stand doesn’t require guesswork. It requires two numbers.

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This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you. Disclosures: https://onedegreeadvisors.com/solutions/#disclosures