{"id":11645,"date":"2026-04-26T23:15:34","date_gmt":"2026-04-26T23:15:34","guid":{"rendered":"https:\/\/fintegrity.com\/?p=11645"},"modified":"2026-04-27T04:11:37","modified_gmt":"2026-04-27T04:11:37","slug":"are-you-financially-ready-to-retire","status":"publish","type":"post","link":"https:\/\/fintegrity.com\/?p=11645","title":{"rendered":"Are You Financially Ready to Retire?"},"content":{"rendered":"
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Do you have enough money to retire?<\/figcaption><\/figure>\n<\/header>\n

By Jeffrey Barnett, Founder and Managing Principal, Fintegrity<\/em>\u00ae LLC<\/em><\/p>\n

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April 21, 2026<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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It’s one of the most consequential questions I hear from clients:\u00a0<\/span>“Do I have enough money to retire?”<\/strong><\/div>\n<\/div>\n
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My honest answer is always the same: It depends.<\/em> It depends on how much you plan to spend, how much reliable income you have, and whether your savings are large enough to cover the gap between the two \u2014 year after year, for the rest of your life.<\/p>\n

Retirement readiness isn’t a feeling. It isn’t a number your neighbor mentioned over the fence. It’s a structured assessment of three specific variables \u2014 and if you haven’t worked through all three, you may be making one of the most important decisions of your life on incomplete information.<\/p>\n

Here is the framework I use with clients at Fintegrity\u00ae, distilled into three straightforward steps.<\/p>\n

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Step 1: Know What You’ll Spend<\/h3>\n

Most people underestimate this step because they assume their spending will drop in retirement. Sometimes it does \u2014 and sometimes it doesn’t.<\/p>\n

Start with your current annual spending. Pull 12 months of bank and credit card statements and add up every payment. Don’t just average your utility bills \u2014 account for irregular expenses like annual property taxes, insurance premiums, and home repairs. Those are real costs that belong in your retirement budget.<\/p>\n

Then adjust for what retirement actually looks like for you<\/em>:<\/p>\n