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The Real Cost of Retiring in San Diego at 62 and Never Leaving the Coast
Key takeaways
- Drawing entirely from a traditional IRA between 62 and 65 costs couples anywhere from $50,000 to $80,000 in lost ACA subsidies and extra California taxes compared to a Roth-and-taxable drawdown strategy.
- Delaying the higher earner s Social Security claim to 70 and holding a 3.3% withdrawal rate are essential levers for sustaining a 30-year coastal retirement.
- A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality.
The Real Cost of Retiring in San Diego at 62 and Never Leaving the Coast Michael Williams Mon, June 22, 2026 at 5:49 PM GMT+7 6 min read Quick Read Retiring at 62 on the San Diego coast requires between $3.6 and $4 million in invested assets on top of a paid-off home, with gross annual income needs falling between $150,000 and $160,000.
Drawing entirely from a traditional IRA between 62 and 65 costs couples anywhere from $50,000 to $80,000 in lost ACA subsidies and extra California taxes compared to a Roth-and-taxable drawdown strategy.
Delaying the higher earner s Social Security claim to 70 and holding a 3.3% withdrawal rate are essential levers for sustaining a 30-year coastal retirement.
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