Income Over Wealth

What $3,000 a month of retirement income actually costs, priced three ways: the 4% rule, a bond ladder, and private mortgage notes

Show Notes

The average Social Security check is $2,071. The average household over 65 spends $5,119. This episode puts a real number on filling that gap, first under the 4% rule, then with a bond ladder held to maturity, then with private mortgage notes. It closes on what the same savings can do once income dollars and growth dollars stop competing for the same job.

  • What $3,000 a month costs under the 4% rule, and the two things $900,000 is actually buying you that a cheaper option doesn't
  • What the same income costs from a bond ladder at today's Treasury yields, why bond funds can't do that job, and what it means that the coupon never gets a raise
  • How the same savings gets split so the whole gap is covered by payments that arrive on a schedule while the rest keeps growing, with the honest catch stated plainly

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=Fadi3VgJbVE

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.