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Explore You Don't Need a 401(k)! with 38,268 views, 858 likes, and 128 comments. Experience the impact of this video content that has captured audience attention.

Chapter helps you compare every Medicare Advantage, Medicare Supplement, and Part D plan for free, with support before and after enrollment. Call 510-961-3329 or visit chapter.com/erin Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erin Can you retire comfortably without a 401(k) or pension? Discover how a traditional IRA, consistent investing, and Social Security benefits could help you build a secure retirement. In this video, we follow a hypothetical worker who maxed out her IRA from age 30 to 65. Assuming a 7% inflation-adjusted annual return, her retirement savings could grow to approximately $814,000. Using a 5% initial withdrawal rate plus Social Security, we calculate roughly $70,600 in annual retirement income, or $66,100 after federal income taxes under 2026 rules. We also compare IRA vs. 401(k) contribution limits, Roth vs. traditional IRAs, catch-up contributions, retirement taxes, and how to save without an employer-sponsored retirement plan. If you're wondering whether you can retire with just an IRA and Social Security, this breakdown shows how consistent investing can help you reach your retirement goals. All projections are illustrative and not guaranteed. 00:00 - Intro: Can You Retire on an IRA Alone, With No 401(k)? 01:42 - What an IRA Actually Is: Traditional vs. Roth 02:40 - What 401(k) Savers Really Contribute and Why the Limit Gap Matters Less 04:16 - How Most People Really Use Their IRAs 05:36 - Meet Linda: 36 Years of IRA Saving 06:33 - How Much Her IRA Grew: 7% Real Returns and the Catch-Up Question 08:24 - Turning Her IRA Into Income: 5% Withdrawals Plus Social Security 09:17 - Paying the Taxes: How Much of Her Social Security Is Taxable 11:20 - Her Paycheck vs. Her Retirement Income: Why Replacing 100% May Be the Wrong Goal 13:09 - The IRA Tax Break You Still Get Without a Workplace Plan 14:01 - Put Your IRA on Autopilot: Recreate the 401(k) Habit 15:34 - Final Thoughts: You Can Still Retire Well Without a 401(k) 16:54 - Bloopers Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Erin Moriarity has a financial relationship with Chapter and may receive compensation if you use this affiliate link. Chapter is not affiliated with Root Financial Partners, LLC. Connect with me on LinkedIn for charts & daily retirement insights: https://www.linkedin.com/in/erintalksmoney/ Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching, I appreciate you! Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate and should not be considered testimonials or endorsements.

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