Arizona pair in their 50s aim to retire at 62 — but Suze Orman tells them they’re reading their numbers wrong

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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Maurie BackmanTue, Sep 16, 2025, 2:45 PM 5 min readAs retirement approaches, many people feel a mixture of excitement and anxiety.According to a recent survey by the Employee Benefit Research Institute (EBRI), 67% of workers say they're confident they'll have enough money to maintain a comfortable lifestyle in retirement. That also means roughly one-third are worried they won't.That concern may explain why 55-year-old Linda from Arizona called Suze Orman for advice. She and her husband Tom, 57, hope to retire at 62. They're open to working part-time but plan to scale back significantly.Linda wanted to know if they're on track to retire comfortably — especially given their travel-heavy lifestyle. When Orman asked what grade she'd give herself on retirement readiness, Linda said C+. Orman strongly disagreed.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPI'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast)While Linda may not feel confident about her retirement readiness, Orman strongly disagrees — and the numbers back her up. Linda and Tom have the following assets:$567,489 in retirement savings$59,954 in an emergency fund$41,303 in investments$186,000 in home equity (their home is paid off)That totals $854,746. However, they also carry $21,568 in debt, which brings their net worth to $833,178.But what really tells the story, Orman says, is their income versus expenses.Linda and Tom bring in $10,815 per month after taxes. Their monthly expenses average $6,098. They're saving $1,709 monthly, which still leaves $3,008 in discretionary income. And with seven more working years for Linda and five for Tom, they still have time to save even more.Orman estimates their expenses in retirement will remain around $6,000 per month after taxes. The good news is that the numbers still work.Tom will receive a pension of $2,031 per month after taxes. Linda earns $5,000 monthly and may continue working two years beyond Tom’s retirement, giving them more than $7,000 per month during that time — more than enough to cover expenses.Once Linda retires, she’ll receive an after-tax pension of $2,600. Their retirement investments are projected to give them $3,488 per month after taxes, bringing their combined monthly income to $8,119 per month — roughly $2,000 more than they need.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,600.35 -6.41 (-0.10%)Dow 3046,018.32 +260.42 (+0.57%)Nasdaq22,261.33 -72.63 (-0.33%)Russell 20002,407.34 +4.31 (+0.18%)VIX15.72 -0.64 (-3.91%)Gold3,693.20 -31.90 (-0.86%)PortfolioSign in to access your portfolioSign inTop gainersBGM BGM Group Ltd. 10.44 +2.23 (+27.16%)QMMM QMMM Holdings Limited 105.64 +17.64 (+20.05%)QBTS D-Wave Quantum Inc. 22.54 +3.56 (+18.76%)OPEN Opendoor Technologies Inc. 10.21 +1.29 (+14.46%)LYFT Lyft, Inc. 22.84 +2.65 (+13.13%)Top losersGEMI Gemini Space Station, Inc. 24.53 -3.60 (-12.80%)FIGR Figure Technology Solutions, Inc. 37.17 -3.31 (-8.18%)TREX Trex Company, Inc. 53.84 -4.45 (-7.63%)MANU Manchester United plc 15.38 -1.03 (-6.28%)ARW Arrow Electronics, Inc. 119.08 -7.92 (-6.24%)Most activeOPEN Opendoor Technologies Inc. 10.21 +1.29 (+14.46%)PLUG Plug Power Inc. 2.0000 +0.3200 (+19.05%)NVDA NVIDIA Corporation 170.29 -4.55 (-2.60%)BBAI BigBear.ai Holdings, Inc. 6.02 +0.08 (+1.35%)SNAP Snap Inc. 7.99 +0.25 (+3.23%)Earnings eventsMy earnings eventsEarnings eventsTrending tickersQBTS D-Wave Quantum Inc. 22.54 +3.56 (+18.76%)AVGO Broadcom Inc. 346.17 -13.83 (-3.84%)^IXIC NASDAQ Composite 22,261.33 -72.63 (-0.33%)STUB StubHub Holdings, Inc. 22.00 -1.50 (-6.38%)^GSPC S&P 500 6,600.35 -6.41 (-0.10%)Top economic events