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A 67-Year-Old Single Retiree With $920,000 Can Stretch It to Age 95 If the COLA Holds Above 2 Percent
Key takeaways
- A 67-Year-Old Single Retiree With $920,000 Can Stretch.
- That bulletproof math collapses if Social Security’s COLA lags inflation over 28 years, forcing the portfolio to cover thousands in lost purchasing power.
- Building a 24-month cash buffer, buying an annuity at 75, and cutting withdrawals after market drops transforms a fragile plan into one that actually survives to 95.
A 67-Year-Old Single Retiree With $920,000 Can Stretch. It to Age 95 If the COLA Holds Above 2 Percent shurkin_son / Shutterstock.com Drew Wood Mon, May 25, 2026 at 8:18 PM GMT+7 6 min read Quick Read A 67-year-old retiree with $920,000 needs just a 3% withdrawal rate to cover the $24,400 annual spending gap not covered by Social Security.
That bulletproof math collapses if Social Security’s COLA lags inflation over 28 years, forcing the portfolio to cover thousands in lost purchasing power.
Building a 24-month cash buffer, buying an annuity at 75, and cutting withdrawals after market drops transforms a fragile plan into one that actually survives to 95.
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