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I'm 63 With $1.5M. Can I Spend $10K a Month?
You’ve saved $1.5 million. Now comes the real test.
Can it produce $10,000 a month, or will that pace drain your portfolio?
Most retirees do not get a clear answer until it is too late.
The issue is not just how much you have. It is whether your portfolio was built to pay you, not just grow.
That difference can determine whether your money lasts decades or starts breaking down early.
Sequence of returns, taxes on withdrawals, healthcare costs, and whether the 4% rule still applies all play a role.
Fiduciary advisors created a breakdown showing what drives sustainable income and why the same $1.5M can produce very different outcomes.
If you have $1M or more invested, do not guess.
What's Happening in Baltimore This Week
Here's your guide to getting out and about in Charm City from Thursday, July 30, through Sunday, August 2.
Events This Week
Baltimore Improv Festival — Through August 2, times vary. The 17th annual comedy festival featuring local and national improv performers. Info at bigimprov.org/shows.
Smoking Popes w/ Radiator Hospital — Jul. 30, 7 p.m. at Metro Bmore, 1700 N. Charles St. 35th anniversary tour stop.
Manga in the Park — Jul. 30, 2–6 p.m. at Roosevelt Park, 1201 W. 36th St. Coloring station, Super Smash Bros. tournament, and manga swaps.
Art with a Heart: Shop & Bop — July 31, 5:30–7:30 p.m. Shop for gifts made by young artists in the HeARTworks program, with interactive art activities. Free — artwithaheart.net.
Dead & Immersive: A Grateful Dead Concert Experience — Jul. 31, 7–10 p.m. at the Maryland Science Center Planetarium. Happy hour beforehand.
Baltimore Improv Fest: Bad Karaoke Experience — August 1, 1:30–2:30 p.m.
Bite of Baltimore: Fell's Point Food Tour — Aug. 1, 3 p.m. ($109)
Erika Sipes Piano Recital — Aug. 2, 2–4 p.m. at An die Musik Live. A program of music by women composers spanning 300 years.
🎈 Free Kid-Friendly Pick of the Week
Building Woodland Fairy Houses
Aug. 1, 9 a.m.–11 p.m. | Belmont Historic Park, Woodstock, MD
Kids ages 10 and younger can build their own fairy house using natural materials like twigs and pinecones. Free — register at howardnature.org/event/woodland-fairy-houses-2026.
🍽️ All-You-Can-Eat Buffets Worth the Trip
Baltimore's buffet scene has range — here are a few local favorites to check out this week:
Charm City Buffet & Grill — A local favorite for hibachi, sushi, seafood, and dessert, with families praising the value and variety.
Aurora Seafood & Grill Buffet (Rossville) — Family-friendly all-you-can-eat with fresh seafood, sushi, meats, and ramen, including oysters and snow crab legs.
Umi Hot Pot Sushi & Seafood Buffet — Sushi and hot pot combined, with a newer location in Catonsville.
Broadway Hotpot & Bar — A hot pot-focused all-you-can-eat spot that's become a Yelp favorite.
Kanji Sushi (White Marsh) — All-you-can-eat sushi for $30, plus a mini buffet bar with seafood boil and fried items.
Have a favorite Baltimore buffet we should feature? Hit reply and let us know.
That's it for this week. See you around Baltimore! 👋