You Don’t Need $1 Million to Retire Well episode artwork

EPISODE · Jan 20, 2026 · 17 MIN

You Don’t Need $1 Million to Retire Well

from The Retirement Referee with Brooks Bernhagen · host Brooks Bernhagen

Only three out of one hundred Americans retire with a million dollars... so what does everyone else do? In this episode, Brooks Bernhagen breaks down why successful retirement isn’t about hitting a magic number but about building a strategy that stretches what you do have. From income planning and tax efficiency to Social Security timing and the power of bridging, Brooks explains how retirees with $400K–$800K can create stable, predictable income without feeling behind. Listen to Brooks every Saturday at 7 a.m. on KOTA. Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!See omnystudio.com/listener for privacy information.

Episode metadata supplied by the publisher feed · Published Jan 20, 2026

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This episode was published on January 20, 2026.

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