You’ve Saved for Retirement. But Is It Enough?
What if you’re closer to retirement than you think?
The Enough Line helps you estimate how much you may need, compare it with what you’ve already saved, and explore the decisions that could change your number.
It’s free, takes about 30 minutes, and gives you a clearer starting point for planning the life you’ve worked for.
- Your numberA rough savings target
- Where you standSavings vs. your goal
- 5 key leversWhat could change it
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You’ve spent 30 years saving. But how do you know when it’s enough?
The goal wasn’t just to save more. It was to live more.
Find Your Starting Number.
Enter your estimated annual retirement spending and guaranteed income to see a rough savings target.
This simple calculation uses a 4% initial withdrawal assumption. It’s a starting point, not a personalized financial plan, and doesn’t account for factors like taxes, inflation, investment performance, or retirement timing.
Ready to go beyond the rough math? Your number is just the beginning. The free worksheet helps you refine your estimate and discover five key factors that could change how much you need to retire.
Four parts. A better view of your retirement.
The life you want
Picture what an ordinary Tuesday looks like when work is optional.
What it costs
Put a price on that life, including the things you don’t want to give up.
Where you stand
See how your savings stack up against your retirement goals, and whether it’s time to stop worrying and start enjoying what you’ve built.
The five levers
See how taxes, healthcare, your estate, your portfolio and Social Security timing can move your number.
A Note From Brian
Yes, you can save too much for retirement.
That sounds strange coming from a financial advisor. But it’s one of the most common things I see.
Not people who saved too little. People who saved plenty and couldn’t let themselves believe it.
They keep working because nobody showed them where enough is.
Read Brian's full note
Saving too much isn’t about the extra dollars. It’s the healthy years you traded to earn them. Years you could have spent with the grandkids, on the bucket list or just living on your own schedule.
Here’s the part that frustrates me. Your 401(k) statement tells you what you have. Your bank tells you what you spent last month. Nobody tells you what you need.
So I built the Enough Line. It’s a free worksheet you can work through at the kitchen table in about 30 minutes, on your own or with your spouse. It takes what your life costs and what’s coming in, and turns it into a number you can actually look at.
It won’t answer everything. But it gives you a place to start, and for a lot of people, that’s what’s been missing.
I’ve yet to meet anyone who was upset that they retired earlier. I’ve met plenty who wish they had.
You may already have enough. It takes about 30 minutes to find out.
Brian Colvert, CFP®Founder and CEO, Bonfire Financial
P.S. Once you’ve completed the worksheet, we’d love to hear what you discovered. Bring it to a complimentary introductory call, where we can talk through your numbers, answer your questions, and explore whether the Bonfire Method might be a good next step for you. Schedule Your Call →
Now let’s talk about what they mean.
The Enough Line gives you a starting point. Let’s explore how your taxes, Social Security, investments, and retirement income fit together, and what a coordinated retirement strategy could mean for you.
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