At 59 1/2, Can I Retire with $900,000 in My 401k and $400,000 Cash?

"At the time of this Redditor's post in September 2025, they had around $900,000 in a 401(k) that's earning about 11% every year for the last 10 years, along with a cash pile of approximately $400,000, which is earning around $1,100 in interest annually. In addition, this individual also indicates they are going to have a small pension of $1,000 per month."

"With everything, this Redditor and his wife are only spending around $500 per month right now to live, and are 100% debt-free, including owning a paid-off home with no mortgage. As of September 2025, the 401(k) has already made him around $89,000, which is in line with previous years, so he's now wondering if he has hit a magic number that is going to allow him to step away from his full-time role."

In September 2025 the individual had roughly $900,000 in a 401(k) earning about 11% annually over the past decade and about $400,000 in cash yielding roughly $1,100 in interest per year. The individual expects a $1,000-per-month pension and currently lives on approximately $500 per month. The household is completely debt-free and owns a paid-off home. The 401(k) returned about $89,000 that year. The individual is evaluating whether these assets permit retirement at age 59.5 and what safe withdrawal percentage to apply. Healthcare costs are a major consideration.

Read at 24/7 Wall St.