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August 7, 2025 13 mins

Is retiring in your 50s actually realistic for everyday Americans?

According to a recent NerdWallet survey, the average target retirement age for households earning $100,000+ isn't 65—it's 58.

And these aren't tech moguls or lottery winners.

They're teachers, small business owners, and dual-income couples who’ve steadily built their nest eggs and now want to enjoy their healthy, active years while they can.

But retiring in your 50s requires a very different kind of plan.

One that accounts for early withdrawal penalties, health insurance gaps, and delayed Social Security.

These obstacles are the "triple threats" of early retirement.

In today’s episode, I’ll share how to combat them and provide a simple 5-step process for turning your retirement vision into a reality. 

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