Retirees Share Their Top Financial Metric to Track

Focus on Net Retirement Income

If I had to pick a metric to focus on in my retirement, it would be net retirement income. While gross income looks impressive on paper, it doesn’t matter in reality. What matters is the amount you are left with once Uncle Sam and medical expenses have taken their cut out of your pocket.

It’s easy to underestimate the impacts of rising medical costs and changing tax brackets, especially when the withdrawals kick in. This metric helps to keep retirees grounded. When you focus on your net retirement income, you are forced to identify overlooked expenses that have the power to erode your financial security over time.

The goal is not just to maintain a lifestyle; it is to do so with sustainability and peace of mind. When you know you have your expenses covered after all the deductions, you sleep better at night. And that’s the measure of financial health in retirement.

Harold Wenger Jr.
Partner | Wealth Manager

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