Why the 5 years before an early retirement are so critical

Matt Calcagno, CFP®, CKA® • May 2, 2025
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Matt Calcagno, CFP®, CKA®

@mcalcagno

About

Hi. I'm Mattđź‘‹ I'm a Certified Financial Planner® here to help you retire early Disclosure: One Degree Advisors, Inc. (“One Degree Advisors”) is an SEC-registered investment advisor. Registration does not imply a certain level of skill or training. All content is for general informational and entertainment purposes only and is not intended to provide personalized investment, tax, or legal advice. Client case studies featured in videos are adapted from actual financial plans and/or scenarios but have been modified for clarity and simplicity. Each plan is developed using specific client conversations, assumptions, and planning inputs that are not fully detailed in these videos. These illustrations should not be relied upon for personal decision making. Viewers should consult their own financial, tax, and legal advisors before making any financial decisions. Please see complete disclosure information here: https://onedegreeadvisors.com/disclosure/ Questions? [email protected]

Video Description

SCHEDULE A CALL👇🏼 ✅ See how we can help you get more out of early retirement https://py01htti90f.typeform.com/to/MKeP6ISt ⚠️ "DISCLAIMER:⚠️ All content is not to be received as financial advice and each individual should consult with their dedicated financial planner, tax preparer, estate attorney, etc. before making any financial decisions. All contents provided by This Channel is meant for EDUCATIONAL AND ENTERTAINMENT PURPOSE only. This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you. Disclosures: https://onedegreeadvisors.com/solutions/#disclosures ⚠️ "Scammer" Warning ➡ PLEASE READ! ⚠️ Be careful of scammers. In the comments section, I will NEVER ask you to contact me, offer any investment products, recommend a stock broker, or anything similar. Some scam bot commenters 'ask' for investment help, and later, other comment bots reply with "how great X idea/investment/person is" in the replies. These are scam threads. Do not fall for them My firm: https://onedegreeadvisors.com/ 0:00 – Why the final 5 working years are make-or-break 0:39 – Don’t start with numbers—start with this question 1:29 – Why your highest earning years matter more than ever 2:50 – A surprising lesson from Warren Buffett 3:56 – How Mike & Karen could double their savings 4:42 – Will your number actually be enough? 5:01 – A better way to figure out your retirement budget 6:00 – How to map out your income sources 6:32 – Why now is the time to tackle big expenses 7:11 – The Medicare gap: early retirees’ blind spot 8:08 – Three smart health moves to make now 9:26 – Your portfolio now has one job: paycheck replacement 10:00 – Why getting your allocation wrong can ruin everything 11:22 – A simple framework for how to invest in retirement 12:38 – These 5 years aren't a finish line—they're your launchpad

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