What Is a Good Net Worth to Retire at 55? The Number Might Surprise You
Why retiring at 55 is a whole different ballgame
Retiring at 55 sounds dreamy — goodbye alarm clocks, hello long breakfasts and spontaneous road trips. But let’s be real: retiring this early is no joke financially. You’re not just planning for 20 years of retirement. You’re planning for 30, maybe even 40 years without a steady paycheck.
So, what’s a “good” net worth to make that happen?
Well… it depends. (Yeah, not the most satisfying answer, but stick with me.)
The general rule of thumb: 25x your annual expenses
The 4% Rule in action
Most financial advisors reference the 4% rule, which suggests you can withdraw 4% of your retirement portfolio annually without running out of money.
So let’s say your annual expenses will be $60,000:
$60,000 × 25 = $1.5 million
That’s your target net worth just in investable assets, not including your house or that classic car in the garage.
But wait — this rule assumes retirement at 65-ish.
If you're retiring at 55? You need to plan for a longer retirement horizon, meaning 4% might be a bit too aggressive.
A safer approach: aim for 3.5% or even 3%
In that case, you’d want:
$60,000 × 30 = $1.8 million (using 3.3% withdrawal rate)
Or even $2 million+ if you want a cushion
And that’s before healthcare, unexpected emergencies, or that dream to open a beach bar in Costa Rica kicks in.
What should be included in your net worth?
Not all net worth is liquid
Let’s clear something up. Your “net worth” includes everything you own minus what you owe. So yeah, your home equity counts — but you can’t exactly sell your kitchen every time you need groceries.
A good retirement-ready net worth should ideally include:
Retirement accounts (401(k), IRA, etc.)
Taxable brokerage accounts
Cash reserves
Real estate income (if any)
Possibly your home equity, but only if you plan to sell or downsize
What shouldn’t count as reliable retirement funds:
Fancy cars
Inaccessible pensions (until age 65+)
Crypto stashes you lost the passwords to
Other factors that affect your magic number
1. Location, location, location
Planning to live in NYC or San Francisco in retirement? You’ll need a LOT more than someone living in, say, rural Tennessee or Portugal.
Housing costs, taxes, healthcare, and even groceries can double or triple your expenses depending on where you settle down.
2. Health insurance
One biggie people overlook when retiring before 65: you’re not eligible for Medicare yet.
Private insurance can run $6,000–$12,000+ per year, per person. That’s a huge dent in your nest egg if you're not prepared.
Oh, and long-term care? That’s a whole other can of worms.
3. Lifestyle expectations
Are you planning to travel the world? Or do crossword puzzles and garden all day?
It’s not just about how much you need — it’s about how you want to live.
I know a couple who retired at 55 on $1.2 million, lived simply, and have been doing just fine. But another guy I met? Blew through $2 million in 10 years.
Lifestyle inflation is real.
So… what's a "good" net worth to retire at 55?
Let’s break it down with some ballpark examples:
| Annual Expenses | Safe Withdrawal Rate | Target Net Worth |
|---|---|---|
| $40,000 | 3.5% | $1.14 million |
| $60,000 | 3.5% | $1.71 million |
| $80,000 | 3.5% | $2.28 million |
| $100,000 | 3.5% | $2.85 million |
So yeah, anywhere from $1.2M to $3M+, depending on your lifestyle.
Final thoughts: it's not just about the number
Sure, having $2 million in the bank sounds great. But it’s not just about hitting a number and quitting your job.
It’s about:
Knowing your expenses cold
Having a solid withdrawal strategy
Preparing for curveballs (market crashes, medical stuff, family needs)
And maybe most importantly: knowing what you want from your post-work life
Retiring at 55 can be awesome — if you're ready.
And if not? Maybe work a few more years, boost that net worth, and retire without looking over your shoulder every time you swipe your debit card.
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Is 172 cm good for a man?
Yes it is. Average height of male in India is 166.3 cm (i.e. 5 ft 5.5 inches) while for female it is 152.6 cm (i.e. 5 ft) approximately. So, as far as your question is concerned, aforesaid height is above average in both cases.
Is 165 cm normal for a 15 year old?
The predicted height for a female, based on your parents heights, is 155 to 165cm. Most 15 year old girls are nearly done growing. I was too. It's a very normal height for a girl.
Is 160 cm too tall for a 12 year old?
How Tall Should a 12 Year Old Be? We can only speak to national average heights here in North America, whereby, a 12 year old girl would be between 137 cm to 162 cm tall (4-1/2 to 5-1/3 feet). A 12 year old boy should be between 137 cm to 160 cm tall (4-1/2 to 5-1/4 feet).
How tall is a average 15 year old?
Average Height to Weight for Teenage Boys - 13 to 20 Years
| Male Teens: 13 - 20 Years) | ||
|---|---|---|
| 14 Years | 112.0 lb. (50.8 kg) | 64.5" (163.8 cm) |
| 15 Years | 123.5 lb. (56.02 kg) | 67.0" (170.1 cm) |
| 16 Years | 134.0 lb. (60.78 kg) | 68.3" (173.4 cm) |
| 17 Years | 142.0 lb. (64.41 kg) | 69.0" (175.2 cm) |
How to get taller at 18?
Staying physically active is even more essential from childhood to grow and improve overall health. But taking it up even in adulthood can help you add a few inches to your height. Strength-building exercises, yoga, jumping rope, and biking all can help to increase your flexibility and grow a few inches taller.
Is 5.7 a good height for a 15 year old boy?
Generally speaking, the average height for 15 year olds girls is 62.9 inches (or 159.7 cm). On the other hand, teen boys at the age of 15 have a much higher average height, which is 67.0 inches (or 170.1 cm).
Can you grow between 16 and 18?
Most girls stop growing taller by age 14 or 15. However, after their early teenage growth spurt, boys continue gaining height at a gradual pace until around 18. Note that some kids will stop growing earlier and others may keep growing a year or two more.
Can you grow 1 cm after 17?
Even with a healthy diet, most people's height won't increase after age 18 to 20. The graph below shows the rate of growth from birth to age 20. As you can see, the growth lines fall to zero between ages 18 and 20 ( 7 , 8 ). The reason why your height stops increasing is your bones, specifically your growth plates.