Will Your $1 Million 401(k) Actually Give You the Retirement You’ve Been Promised?
For decades, Americans have been told the key to retirement is simple:
Save as much as you can in your 401(k), get your employer match, and let the market grow your nest egg over time.
That sounds like a good plan — and for a while, it seemed to be.
But here’s the question no one seems to be asking:
“What will my 401(k) actually pay me when I retire?”
Because it’s not just about how big your retirement account gets…
It’s about how much income it can produce when you finally need to live on it.
The $1 Million Myth
Let’s imagine you did everything right. You worked hard, saved diligently, took full advantage of your employer’s match, and grew your 401(k) to a nice round number: $1,000,000.
Most people would assume they’re set for life at that point.
But are they?
According to many financial advisors, to make sure you don’t outlive your money, the “safe withdrawal rate” today is around 2.8% per year — sometimes lower depending on market conditions and life expectancy.
That means:
$1,000,000 x 2.8% = $28,000 per year
And that’s before taxes.
Now Subtract the Taxes You’ll Owe
Because your 401(k) is tax-deferred, you’ll owe ordinary income taxes on every dollar you withdraw. If you’re in a modest tax bracket, you might keep about 75–80% of that $28,000.
That leaves you with somewhere between $20,000 and $24,000 per year to live on.
Let that sink in:
You spent 30 or 40 years saving up $1 million…
And now you’re left with the equivalent of $1,600–$2,000 per month.
Can you live on that?
Could you cover:
- Housing
- Food
- Healthcare
- Travel
- Inflation?
Now imagine what happens to that income when prices double over the next 20–30 years.
It’s not just about running out of money — it’s about running out of purchasing power.
You Need an Income Plan — Not Just an Account Balance
The truth is, the financial industry has focused for too long on account size, not income strategy.
But retirement isn’t about how much you’ve saved — it’s about how long that money will last, how much of it you can safely use, and how protected it is from:
- Market crashes
- Rising taxes
- Inflation
- Healthcare shocks
That’s why smart investors today are asking a different question:
“How can I create tax-efficient, reliable income that lasts as long as I do?”
I Can Help You Find the Answer
I help people who’ve saved in traditional retirement accounts evaluate their actual retirement income potential — and often show them how to double or even triple their income potential using safer, more efficient strategies.
And no, that doesn’t mean taking on more market risk.
It means repositioning your money in a way that focuses on:
✅ Tax-free growth
✅ Lifetime income guarantees
✅ Protection from market losses
✅ Better control of your retirement future
Want to Know What Your Current Plan Will Really Deliver?
I created a free personalized Retirement Income Report that will show you:
- How much income your 401(k) is actually set to pay
- How long it will likely last
- What taxes and inflation will do to your purchasing power
- How your income can improve with smarter planning
You’ll also receive access to a short 11-minute video that explains everything in plain English.
[Click here to request your personalized report now]
You’ve worked hard to save it. Let’s make sure it actually works hard for you in retirement.