Retirement Spending Floor Education Platform

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Retirement Spending Floor Education Platform

Inspired by a conversation on:

The Retirement and IRA Show

The Retirement and IRA Show

Discussing An Article On Retirement Planning: EDU #2538

Host: Jim Saulnier, CFP® & Chris Stein, CFP®

Timestamp: 00:41:40 - 00:42:20

Listen to Episode • View Podcast • All Ideas from The Retirement and IRA Show

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Feather Flow

Direct Quote

"The goal of this retirement spending method is to give you peace of mind knowing your essential needs will always be covered."

Market Gap

Retirees lack understanding of essential retirement spending.

Many retirees have difficulty determining and planning for their essential spending needs during retirement. The lack of a clear understanding of what constitutes a 'minimum dignity floor' leaves retirees uncertain about their financial health and ability to enjoy retirement. This uncertainty can lead to under-spending out of fear of running out of money or over-spending without proper planning, resulting in a precarious financial situation. Current retirement planning tools often fail to address the emotional and psychological aspects of spending and budgeting, which are crucial for a retired individual's peace of mind.

Summary

The Retirement Spending Floor Education Platform would be an interactive online resource designed to educate retirees about their essential spending needs and how to create a financial plan that assures these needs are met. This platform could offer workshops, calculators, and personalized planning tools that help users define their minimum dignity floor, including costs associated with housing, healthcare, and other essential expenses. Users would learn how to assess their income sources, including Social Security and pensions, and how to structure their retirement spending to ensure sustainable financial health. By equipping retirees with the knowledge and tools to confidently navigate their finances, this platform would empower users to enjoy their retirement without the constant fear of financial instability.

Categorization

Business Model
Content
Target Founder
Subject Matter Expert
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
< $100

Potential MRR (18-24 months)

Conservative
$1,000 - $3,000 MRR
Moderate (Most Likely)
$5,000 - $10,000 MRR
Optimistic
$15,000 - $25,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
6/10
Feasibility
7/10
Market Potential
8/10
Evidence
6/10
Overall
7/10
Found on September 17, 2025 • Analyzed on September 17, 2025 3:33 PM

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How should I validate this content idea before building it?

2:34 PM

Great question! For a content idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Subject Matter Expert to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your medium difficulty idea?

2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 3-6 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available < $100
  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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