Most people assume that once you save enough, the decision to retire early makes itself. Kyle and Kelly show why it often doesn’t. Both built successful careers in biotech, and by their early 50s they had accumulated nearly $10 million in investments and cash. Yet when they sat down to talk about leaving work, they kept coming back to the same worry: retiring now would be a huge mistake, and they would run out of money.

Their financial plan said otherwise. They hoped to spend about $24,000 a month. Under the assumptions tested, the plan supported more than $33,000 a month after taxes. The lesson for anyone hoping to retire early is that a large balance alone doesn’t bring peace of mind. Seeing how the pieces work together does.

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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