Can I retire at 60 with 2.5 million net-worth?

Written by Editorial Team | Last Updated: August 2026

Retiring at 60 with $300,000 is challenging and typically requires a very modest standard of living. At a 5% return, your investments would yield about $15,000 annually, or $1,250 per month, which is quite low. To make this work, you would likely need to wait until your full retirement age to collect maximum Social Security benefits or find ways to significantly supplement your income through part-time work.

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