How to Retire Early at 50 With $2M (And Safely Spend $120K/Year)

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The 4% rule says $2 million gives you $80,000 a year — but I need $120,000, and a 6% withdrawal rate over a 40-year retirement carries real depletion risk that most early retirement plans don't account for. This video breaks down why the math only works if the portfolio generates the income rather than slowly gets emptied, and the three things most early retirement plans completely miss — the healthcare gap before Medicare, the five-year penalty window before the Rule of 55 kicks in, and 12-plus years before Social Security is even on the table. The goal isn't to withdraw $120K from $2 million — it's to own a $2 million portfolio that pays you $120K without touching the principal.