Ramit SethiRamit Sethi: The No-BS Guide to Living a Rich Life

"We Just Swipe the Credit Card...”

28 Aug 2026 · 1 min

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In this brief YouTube clip, financial advisor Ramit Sethi asks a client (Speaker B) about their expected retirement balance. The client believes they have about $1.5 million saved. Ramit reveals that, under the client’s current plan, the projected balance at age 65 would actually be roughly $3.1 million, which translates to a safe withdrawal income of about $126,000 per year. He then explains a new, more aggressive investment strategy—combined with reduced spending—that would boost the projected retirement nest egg to about $4.7 million, increasing the safe withdrawal income by roughly $188,000 annually compared to the client’s current earnings. The client reacts positively, finding the numbers more comforting than expected.

Do you know how much you would have in retirement?
I think it was around like $1.5 million.
$1.5 million total?
Yes.
We calculate that you would have about $3.1 million when Mason turns 65. That's about $126,000 of safe withdrawal income that you could make per year.
It's a lot more comforting than I thought it would be.
The new strategy that we did where we cut some of your spending, got more aggressive on investments, that would yield you $4.7 million. And the safe withdrawal income is $188,000 a year more than you earn today.
Yeah. Yeah. It's a big difference from a few small changes.