Retiring at age 60 with a accumulated capital sum of $350,000 is generally considered challenging for most individuals unless supplemented by a robust defined-benefit pension, rental income, or maximum social security benefits. According to standard safe withdrawal guidelines (such as the 4% rule), a $350,000 portfolio would provide an initial annual pre-tax retirement income of roughly $14,000, which falls well below average living expenses for most households and necessitates a highly frugal lifestyle.