Most people underestimate retirement income needs—and the gap can be eye‑opening once the numbers are on paper.

In this episode, Housto King and Zack Troyer take a closer look at what retirement really costs today and why monthly income expectations often miss the mark. While many households spend around $5,400 a month in retirement, Social Security benefits for couples often fall well short of that. For some retirees, lifestyle choices, healthcare, travel, and taxes can push income needs even higher—sometimes well beyond initial assumptions.

We discuss why relying solely on market-based withdrawals can be challenging and how a more structured income approach may help bring clarity and consistency to cash flow. We also explore the idea of segmenting assets so some dollars focus on income timing while others remain positioned for long-term growth.

If you haven’t revisited your retirement income picture recently, this conversation may give you a fresh perspective.

Connect with Mark Troyer and the team at Troyer Retirement at (800) 465-7737

or click here to visit their website.