The Situation

Why Generic Benchmarks Miss

Salary-based retirement benchmarks (1× by 30, 6× by 50) are designed for broad applicability, not accuracy. A high earner with modest spending and an early retirement date, and a low earner with high spending and a late retirement date, will both receive the same benchmark signal — despite having completely different situations.

Your retirement progress cannot be measured against someone else's salary multiple. It can only be measured against your own target and timeline.

— Worthune Decision Framework

• You've checked your retirement progress against salary-based benchmarks and are uncertain whether they apply to your situation
• You've never run a personalized projection of your retirement trajectory
• You feel vaguely uncertain about retirement but haven't quantified whether the concern is warranted