Finance expert Dave Ramsey argues retirement readiness depends on whether your invested assets can generate the income you need for life, not on reaching a particular age. The article outlines a budget method: estimate annual retirement spending and subtract guaranteed income such as Social Security. In its example, $60,000 in annual spending minus $25,000 from Social Security leaves $35,000 to come from the portfolio, and applying the 4% rule (multiplying by 25) gives a target of $875,000. The piece also notes that the S&P 500 returned 17% over the past year and 75% over five years, while 10-year Treasury yields were around 5%.
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