RS60.com — Retire at 60

Retire at 60.
Five years ahead
of the crowd.

Most people accept 65 as the finish line. Retiring at 60 requires a plan — but it's a plan more people could execute than realize. RS60.com is dedicated to that five-year head start and everything it requires.

5 yrs

Ahead of traditional retirement

Earliest Social Security eligibility

Medicare eligibility — bridge matters

The Five-Year Window That Changes Everything

Retiring at 60 sits in an interesting gap. You're too young for Social Security at full rate and too young for Medicare — but old enough that a well-funded retirement portfolio should be close. That five-year bridge is the central planning challenge.

The good news: a 60-year retirement horizon is far more manageable than retiring at 40. Most 401(k) rules allow penalty-free withdrawals at 59½. A modest bridge strategy gets you to Medicare at 65 and Social Security at 62 (reduced) or 67 (full).

The people who retire successfully at 60 started planning in their 40s — not because 60 requires decades of preparation, but because the habits that make it possible take years to build.

Planning to Retire at 60

The Healthcare Bridge

Five years between retirement and Medicare at 65. ACA marketplace plans are the primary option — premiums are income-based, so managing withdrawals strategically can keep costs reasonable.

Social Security Strategy

Claim at 62 for reduced benefits, wait until 67 for full, or delay to 70 for maximum. At 60, you have time to optimize — the math matters more than most people realize.

Portfolio Withdrawal Rate

A 30-year retirement (60 to 90) is longer than most financial planning assumes. A 3.5–4% withdrawal rate is appropriate; lower is safer if longevity runs in your family.

Pension and 401(k) Timing

Rule of 55 allows penalty-free 401(k) withdrawals if you leave your employer at 55+. Understanding the sequencing of pension, 401(k), IRA, and Social Security is where the real optimization lives.