Lisa, a 57-year-old widow and nurse, has saved $828,000 over 36 years and hoped to retire. But financial expert Suze Orman gave her a C-minus, citing gaps in healthcare coverage and monthly income shortfalls.

Orman outlined a stricter budget: Lisa needs about $4,000/month post-tax for a secure retirement. Her assets yield roughly $2,000/month after taxes. Adding part-time work still leaves her $750 short unless she moves to Oregon and cuts costs further.

To reach an 'A' rating, Orman advised Lisa to keep working until 60, move to Oregon, and leverage Social Security survivor benefits. At 67, switching to her own benefit could provide enough for a sustainable retirement income.

Lisa’s case reflects a broader retirement readiness issue. While her savings surpass most Americans, early retirement demands more flexibility and planning, especially around healthcare and income modeling with a financial adviser.