Yahoo!Finance: “What That Early Retirement Dream Really Costs If You Live to 95”
April 19, 2026 — In today’s article by Chris Adam, he explains that if you’re hoping to retire early and live well into your 90s, consider just what that means for your finances.
“If you retire at 45 and live to 95, that means your money needs to last 50 years,” he writes. “That may be a problem since most retirement calculators plan for 20 to 25 years.”
For insight, he turned to Marguerita Cheng, CFP, CEO of Blue Ocean Global Wealth, who said: Use the Categorization Method.
Marguerita encourages clients preparing for retirement to categorize their expenses as either core and essential or lifestyle. She then tries to help them identify sources of sustainable, predictable income to cover the core and essential expenses.
“There is nothing wrong with wanting to retire early; you just need to plan for it and create a sustainable, tax-efficient retirement income plan,” Cheng said. “For individuals who want to retire early, it is important to think about sequence of return risk, market risk, inflation risk, and frailty risk.”