Can I retire at 60 with $750,000 as a couple?

For couples at 60 with $750,000, the bridge to Social Security has two arrival times — yours and your partner's — and the staggered claim is the highest-leverage planning move available. Most couples at this age get 92%+ success by claiming the lower earner at 62 and delaying the higher earner to 70, even when the median path looks worse on paper.

The four levers, in priority order

Spending. The classic Bengen 4% rule on $750,000 gives you $2,500/mo of inflation-indexed portfolio withdrawal. Layered with Social Security at FRA, that's enough to fund a household spending plan around $7,000/mo for most retirees. Households at this savings tier typically have meaningful flexibility — what kills the plan is silent lifestyle drift in the first five years of retirement.

Asset allocation. By 60 the conventional wisdom is to be at or near your retirement target allocation — typically 50/50 to 60/40 stocks/bonds. The "bond tent" approach (more conservative leading into retirement, then gradually re-risking back to growth) has empirical support for managing sequence-of-returns risk in the first decade of withdrawals, which is the single biggest determinant of long-term success at this age bracket.

Social Security. Couples in the 60 bracket should run the joint-NPV analysis seriously. The most-studied structure is the higher earner delaying as far as possible (max benefit, max survivor protection) while the lower earner claims at FRA or at 62 to bridge the gap. Yearfold's claim-age optimizer searches all 81 combinations and reports the top three.

Common pitfall: couples consistently underestimate the Social Security widow's-trap. When the first spouse dies, the survivor switches to the larger of the two benefits — but they LOSE the smaller one. A typical couple sees household SS income drop 33–50% on the first death. Survivor-benefit-aware claim strategy (higher earner delays) is the most-effective hedge against this.

Why a single number isn’t an answer

A bank calculator might tell you “Yes, you can retire — your $750,000 will last.” A Monte Carlo simulation tells you the share of plausible futures in which it lasts, the share in which it doesn’t, and what specifically goes wrong in the failure cases. The 10–25% of paths that don’t work are the part you’d actually want to defend against — by trimming spending, raising allocation, delaying Social Security, or working a couple of years longer.

Yearfold runs all 10,000 paths against your specific inputs and shows you the percentile band, plus three concrete fixes that move the success probability the most per unit of effort. Read the full methodology for the data-source and assumption details.