Short Form The Retirement Savings Rule Nobody Follows But Should

LEGACY INVESTMENT SERVICES

YouTube Short Script  |  June 2025  |  Week 3 - Short 12

TITLE: The Retirement Savings Rule Nobody Follows But Should

ADVISOR: Jordan Cassiani

RUNTIME: 55-65 seconds

FORMAT: Vertical 9:16, tight on-camera, no cuts

CTA: Link in bio for complimentary retirement income analysis

Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Legacy Investment Services and Osaic Wealth are separate entities. Content is for educational purposes only. Not investment, tax, or legal advice. All scenarios are hypothetical illustrations.

SCRIPT

Most financial planning guidelines suggest saving between 10 and 15 percent of your income for retirement. That range made sense when defined benefit pensions were common, Social Security replaced a higher percentage of pre-retirement income, and life expectancy in retirement was 10 to 15 years.

None of those things are true today for most workers.

If you are in your 40s or 50s with limited savings and you are relying on saving 15 percent of your income to fund a 25 to 30 year retirement, the math is very tight. The people who retire with genuine financial security are typically saving 20 to 25 percent or more in their peak earning years, maximizing tax-advantaged accounts, and eliminating debt before retirement.

The 401(k) limit in 2025 is $23,500. If you are 50 or older, you can add a catch-up contribution of $7,500 for a total of $31,000. On top of that, you can contribute $7,000 to an IRA, or $8,000 if you are 50 or older. If your employer offers an HSA, that is another $4,300 for an individual or $8,550 for a family.

Taken together, that is a significant amount of tax-advantaged savings space that most people in their 50s are not fully using.

Link in my bio.

PRODUCTION NOTES

The opener challenges a familiar guideline, which is the hook. The specific 2025 contribution limits are concrete and timely.

Legacy Investment Services  |  Jordan Cassiani  |  Legacy - Retirement Savings Rule Nobody Follows - Short - Week 3