The FOOL-PROOF Plan to Retire at Age 60 with $1.2M Saved

Retiring at 60 with $1.2 million can be more advantageous than retiring at 67 with $1.5 million because the 5-7 year 'bridge years' between retirement and Social Security/required withdrawals offer a unique tax optimization window where low taxable income allows for efficient Roth conversions, potentially saving $50,000+ in lifetime taxes while also enabling lower health insurance costs through premium tax credits.