Income Over Wealth

What one more year of work at 58 is actually worth, in dollars a month, and the four things that decide whether it's worth taking

Show Notes

The example in this episode moves the portfolio about $115,000 for one more year of work, which comes out to roughly $380 a month for life. Dan shows where each input comes from so you can run the same math on your own situation. All numbers are 2026.

  • Why another year of work raises your Social Security check by only about $10 or $20 a month once you have 35 years of earnings, and the situation where it's worth several times that
  • The 17-year low-income window that opens the day your paycheck stops, and why working until 62 deletes four years of it
  • The 30-hour line that keeps employer health coverage in place, so you can drop the hours without giving up the benefit

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=Db-D35f2EkU

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

What is Income Over Wealth?

Retirement is an income problem, not a net-worth problem. Dan Wilson is a real estate investor, not a financial advisor. He buys and rents houses in Ohio, funds them with private money instead of bank loans, and built enough income from real estate to leave the Air Force. Twice a week, in about fifteen minutes, he works out how to replace a paycheck in retirement: where monthly income actually comes from, what each source costs you in risk, and how private lending works — including what to demand from any borrower. Every episode is also a video on YouTube. Educational only — not financial, legal, tax, or investment advice, and not an offer or solicitation of any investment.