{"id":148015,"date":"2025-10-27T15:54:06","date_gmt":"2025-10-27T15:54:06","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/148015\/"},"modified":"2025-10-27T15:54:06","modified_gmt":"2025-10-27T15:54:06","slug":"my-husband-and-i-have-7k-in-social-security-and-2-5-million-in-stocks-what-could-go-wrong","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/148015\/","title":{"rendered":"My husband and I have $7K in Social Security and $2.5 million in stocks. What could go wrong?"},"content":{"rendered":"<p>Published: Oct. 27, 2025 at 8:08\u202fa.m. ET<\/p>\n<p>Dear Quentin,<\/p>\n<p class=\"e1bc1vag0 css-1dqcy4b-StyledNewsKitParagraph\" data-type=\"paragraph\" font-size=\"16\">I am retiring next year, but I hope to wait until January 2027 before I draw Social Security at 69\u00bd. My husband will also retire in January 2027 when he turns 65. I estimate our combined Social Security income at $7,000 a month. Furthermore, I have built a 15-year TIPS ladder from my husband\u2019s old retirement accounts and additional funds from an aftertax mutual fund; that should provide an additional $60,000 per year.<\/p>\n<p class=\"e1bc1vag0 css-1dqcy4b-StyledNewsKitParagraph\" data-type=\"paragraph\" font-size=\"16\">Currently, I have $1.9 million in my 401(k) and $200,000 in a 457(b) managed annuity account. My husband has about $100,000 (S&amp;P 500) in his current workplace IRA. We have $500,000 in a money-market account and $220,000 (S&amp;P 500 <a data-type=\"phrase\" href=\"https:\/\/www.marketwatch.com\/investing\/index\/spx\" target=\"_blank\" class=\"ekxajjj0 css-1y1y9ag-OverridedLink\" rel=\"nofollow noopener\">SPX<\/a>) in a mutual fund. We own our home, which may sell for $400,000 when we retire.<\/p>\n","protected":false},"excerpt":{"rendered":"Published: Oct. 27, 2025 at 8:08\u202fa.m. ET Dear Quentin, I am retiring next year, but I hope to&hellip;\n","protected":false},"author":2,"featured_media":148016,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[177],"tags":[4731,87182,8139,85029,79,82632,17733,87187,7944,1360,87184,66986,29221,87183,82648,6567,2597,18,35567,18131,41592,25817,3334,19,3912,3442,41557,17,6045,87185,5759,2336,234,235,87188,9436,44285,1361,2895,19363,5577,2990,82655,26243,4319,41591,41555,6408,87186],"class_list":{"0":"post-148015","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-accounting","9":"tag-accounting-consulting","10":"tag-banking","11":"tag-banking-credit","12":"tag-business","13":"tag-business-consumer-services","14":"tag-commentary","15":"tag-commentary-opinion","16":"tag-community","17":"tag-construction","18":"tag-construction-real-estate","19":"tag-consulting","20":"tag-consumer-affairs","21":"tag-consumer-products","22":"tag-consumer-services","23":"tag-credit","24":"tag-education","25":"tag-eire","26":"tag-equity-markets","27":"tag-financial-services","28":"tag-financial-vehicles","29":"tag-funds","30":"tag-general-news","31":"tag-ie","32":"tag-insurance","33":"tag-investing","34":"tag-investing-securities","35":"tag-ireland","36":"tag-labor","37":"tag-labor-personnel-issues","38":"tag-mutual-funds","39":"tag-opinion","40":"tag-personal-finance","41":"tag-personalfinance","42":"tag-personnel-issues","43":"tag-political","44":"tag-political-general-news","45":"tag-real-estate","46":"tag-retirement-planning","47":"tag-securities","48":"tag-social-services","49":"tag-society","50":"tag-society-community","51":"tag-synd","52":"tag-travel","53":"tag-trusts","54":"tag-trusts-funds-financial-vehicles","55":"tag-welfare","56":"tag-welfare-social-services"},"share_on_mastodon":{"url":"","error":"Validation failed: Text character limit of 500 exceeded"},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/148015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=148015"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/148015\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/148016"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=148015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=148015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=148015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}