How to Calculate Your Exact SCHD Retirement Number
From Peter Pru | Option Sellers School by Peter Pru
May 5, 2026 · 10 min
About this episode
This episode discusses how to accurately calculate your SCHD retirement number based on spending needs and investment assumptions.
🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social 🚨Get Trade Ideas & Market Updates: 👉 https://theweeklywheel.beehiiv.com/ Most people pick a random retirement number — a million, two million, whatever sounds big enough — without ever running the actual math backwards from what they need to live on, and that single backwards approach is why so many retirement plans fall short when reality arrives. This video walks through the exact calculation for determining how much SCHD you need at three different spending levels, why planning at current yield is dangerously optimistic, and how the dividend growth rate changes the income picture dramatically over a 10 to 20 year retirement horizon. The math is simple — the honesty required to fill in the variables correctly is the harder part, and this video shows you exactly what assumptions to stress test before you commit to a number.
People in this episode
Host: Peter Pru
Topics covered
- retirement planning
- financial calculations
- dividend growth
- income strategy
- investment education
Keywords
- retirement number
- SCHD
- dividend growth rate
- financial planning
- investment strategy
Mentioned in this episode
Organizations: SCHD, Weekly Wheel, ARK Options Workshop
More episodes of Peter Pru | Option Sellers School
- 4 Best ETFs to Combine with SCHD for Long Term Growth (Income Investing Portfolio) · June 12, 2026 · 9 min
- Investing $1K vs $10K vs $100K in SCHD (Here’s What Happens After 5 Years) · June 11, 2026 · 8 min
- The Honest Truth About Making $10K/Mo With The Wheel Strategy (No One Tells Your This) · June 10, 2026 · 8 min
- How Much You Need to Invest For $5,500 Monthly SCHD Dividends · June 9, 2026 · 8 min
- I'm DONE Using Delta For The Wheel Strategy (What I'm Doing Instead) · June 8, 2026 · 8 min
- The ONLY Indicator I Trust To Run The Wheel Strategy Consistently (Most Don't Use It) · June 7, 2026 · 9 min
Explore listener stats, chart rankings, contacts and more on the Peter Pru | Option Sellers School podcast page.