在硅谷,有多少银子就能退休了?

My calculation is 1.5M!!! Suppose you have 2 kids and you are in your 30s or 40s. To invest 1.5M in funds, it's not too difficult to get 8% return, right? I get more than 8% dividend. I did't even consider the appreciation. So you have $10,000/month income. Here are the expenses:

$2,500 rent in Pleasanton or San Ramon. No need to live in PA or Cupertino since you don't need to communte 

$175 car (insurance&gas). One car is enough since you and your wife don't work. LOL

$75 tv/inet

$50 cell phone. One phone is enough. LOL

$125 pg&e

$75 water/trash

$1,000 kids education (piano, violin etc.) Use public schools, which are not bad

$250 cloth. Don't buy name brand stuff

$1,000 food. Try to cook more at home

$1,000 health insurance

$700 entertainment (good for 1 trip to China)

$3,000 tax (Uncle Sam wants your money)

Total expenses: $9,900/month

Save $100/month

If you can earn 10% (which is my goal by the way), then 1.2M can get you a comfortable life in silicon valley... hahaha

Any comment?

所有跟帖： 

• 老大, you forgot a very trivial item -392- ♂ (24 bytes) () 05/03/2011 postreply 17:22:08

• 已经算在里面了, $1,000/月 -喜狼狼- ♂ (0 bytes) () 05/03/2011 postreply 17:23:00

• That's only insurance .... where can you find medical/dental ins -392- ♂ (57 bytes) () 05/03/2011 postreply 17:24:44

• Chinese clinics? LOL -喜狼狼- ♂ (0 bytes) () 05/03/2011 postreply 17:31:27

• and $700 trip to China? -392- ♂ (62 bytes) () 05/03/2011 postreply 17:24:01

• $8,400/年. 差不多啦. -喜狼狼- ♂ (0 bytes) () 05/03/2011 postreply 17:25:18

• Overall, your posting is very encouraging :) :) and -392- ♂ (118 bytes) () 05/03/2011 postreply 17:26:59

• 不足的是你就是这塘里地主的盘中菜了. 当然 -392- ♂ (61 bytes) () 05/03/2011 postreply 17:32:30

• 你如何保证8%？ -simplebutbetter- ♂ (0 bytes) () 05/03/2011 postreply 17:32:10

• I invested in many funds that pay dividends -喜狼狼- ♂ (163 bytes) () 05/03/2011 postreply 17:38:04

• 8%每月？ -skyport- ♂ (0 bytes) () 05/03/2011 postreply 17:40:14

• 8%每年．每月发钱，也有每３月发的. -喜狼狼- ♂ (0 bytes) () 05/03/2011 postreply 17:42:26

• sounds like Reit and bond funds. They are pretty good income so -skyport- ♂ (0 bytes) () 05/03/2011 postreply 17:44:06

• 2 years are a little too short -skyport- ♂ (125 bytes) () 05/03/2011 postreply 17:42:16

• Hell yeah!!! I got 8% in 2009 when everyone -喜狼狼- ♂ (88 bytes) () 05/03/2011 postreply 17:43:57

• well, 2009 is not a bad year for investment -skyport- ♂ (47 bytes) () 05/03/2011 postreply 17:46:59

• That's appreciation, not dividend... -喜狼狼- ♂ (0 bytes) () 05/03/2011 postreply 17:49:04

• when market is performing well, the dividend is higher... -skyport- ♂ (0 bytes) () 05/03/2011 postreply 17:50:01

• Not necessarily true -喜狼狼- ♂ (200 bytes) () 05/03/2011 postreply 17:54:42

• Most of the REITs dividends were like -喜狼狼- ♂ (71 bytes) () 05/03/2011 postreply 17:56:11

• 狼狼同学, 推荐几个? 我有一堆美纸不知往哪放. -392- ♂ (12 bytes) () 05/03/2011 postreply 18:24:16

• 很多啊 -喜狼狼- ♂ (341 bytes) () 05/03/2011 postreply 19:26:55

• 谢谢! 现在买 bonds 是不是很危险? Everybody is talking about -392- ♂ (62 bytes) () 05/03/2011 postreply 21:35:04

• 此bond 非彼bond,嘿嘿 -喜狼狼- ♂ (453 bytes) () 05/03/2011 postreply 22:10:26

• 回复：此bond 非彼bond,嘿嘿 -392- ♂ (193 bytes) () 05/03/2011 postreply 22:23:55

• default rate -喜狼狼- ♂ (150 bytes) () 05/04/2011 postreply 06:52:31

• yese, you also got 8% or more of the fund down when the fund pri -瞎扯淡- ♀ (75 bytes) () 05/04/2011 postreply 08:49:09

• Your still confused on dividend and appreciation -喜狼狼- ♂ (55 bytes) () 05/04/2011 postreply 08:56:24

• nonsense. when your fund is shrinking, what you do? -瞎扯淡- ♀ (263 bytes) () 05/04/2011 postreply 09:02:45

• Your still confused. LOL -喜狼狼- ♂ (0 bytes) () 05/04/2011 postreply 09:23:50

• You loose your principle when there is a massive bond -392- ♂ (45 bytes) () 05/04/2011 postreply 09:06:12

• you're right, so that is risk. -瞎扯淡- ♀ (0 bytes) () 05/04/2011 postreply 09:10:53

• Hell Yeah!!! everything comes with risk -喜狼狼- ♂ (371 bytes) () 05/04/2011 postreply 09:22:45

• hey, answer me, what you do when your fund is shrinking? -瞎扯淡- ♀ (284 bytes) () 05/04/2011 postreply 09:48:06

• What's that bond fund that pays 12%? -student99- ♀ (0 bytes) () 05/04/2011 postreply 09:58:49

• PHK -瞎扯淡- ♀ (0 bytes) () 05/04/2011 postreply 10:10:03

• 忽悠您我得到什么好处么? 嘿嘿 -喜狼狼- ♂ (345 bytes) () 05/04/2011 postreply 10:01:08

• 是， 对你没好处， 可对别的不懂的人有害处。 -瞎扯淡- ♀ (61 bytes) () 05/04/2011 postreply 10:15:28

• 年纪不小了还挺爱抬杠, 嘿嘿 -喜狼狼- ♂ (150 bytes) () 05/04/2011 postreply 10:25:46

• 同学们，冷静。看来还是当地主好。人们总是要一个地方住的吧？ -392- ♂ (42 bytes) () 05/04/2011 postreply 11:05:22

• 知道就好， 不要和年纪大的人犟嘴。还是多力练力练。 -瞎扯淡- ♀ (0 bytes) () 05/04/2011 postreply 13:25:53

• 退休了每天在家干吗? -laoyangdelp- ♀ (209 bytes) () 05/03/2011 postreply 17:34:08

• 那是另一个话题，不在本帖讨论范围内　：） -喜狼狼- ♂ (0 bytes) () 05/03/2011 postreply 17:39:18

• 10万一年不够，13万还差不多。继续努力吧。：） -laoyangdelp- ♀ (0 bytes) () 05/03/2011 postreply 17:49:22

• Actually it's 12万一年 :) -喜狼狼- ♂ (0 bytes) () 05/03/2011 postreply 18:17:16

• 那就回2次国吧。：）） -laoyangdelp- ♀ (0 bytes) () 05/03/2011 postreply 20:42:16

• 有几个问题：1， 长期投资得益的税率没这么高 15%， 2. 你孩子不读大学？ -johndoe23- ♂ (110 bytes) () 05/03/2011 postreply 17:44:41

• I didn't calculate appreciation -喜狼狼- ♂ (159 bytes) () 05/03/2011 postreply 17:47:50

• I don't think that anybody can guarantee 8% every year -skyport- ♂ (0 bytes) () 05/03/2011 postreply 17:48:40

• 不够的. 贡献社会是一种荣誉,赚钱是一种乐趣,干嘛这么早想退休. 继续努力吧 -windlight- ♀ (0 bytes) () 05/03/2011 postreply 17:50:05

• 退休可能不够，不过如果能保证8%dividend，夫妻中的一个可以退了吧 -skyport- ♂ (0 bytes) () 05/03/2011 postreply 17:52:21

• more than 8% monthly dividend??? please ... -rx300- ♂ (0 bytes) () 05/03/2011 postreply 18:33:32

• You don't know what you don't know, 嘿嘿 -喜狼狼- ♂ (0 bytes) () 05/03/2011 postreply 19:27:49

• 不够的, 小孩上大学, 一年就要好几万.你要是钱再少一点, 可能能拿到financial aid. -ca2004- ♀ (0 bytes) () 05/03/2011 postreply 18:47:30

• 退休在家坐吃等死, 还要省吃俭用的, 还不如上班...有钱能好好玩玩再退休还差不多. -ca2004- ♀ (0 bytes) () 05/03/2011 postreply 18:51:20

• 娃娃的学费呢？ -nutrition08- ♀ (0 bytes) () 05/03/2011 postreply 19:42:11

• 助学金+娃自己贷款。 -laoyangdelp- ♀ (63 bytes) () 05/03/2011 postreply 20:06:04

• 这要是爬上了藤，不是现在就得一年4-5万吗。 -nutrition08- ♀ (0 bytes) () 05/03/2011 postreply 20:19:43

• 穷人的孩子上了藤，一分钱都不用出啊。藤都是need based FA. -laoyangdelp- ♀ (0 bytes) () 05/03/2011 postreply 20:39:35

• 有1.5M还是穷人？别指望了 -nightrose- ♀ (0 bytes) () 05/04/2011 postreply 20:02:31

• Very encouraging, but where to get health insurance plan -bigassfollower- ♂ (23 bytes) () 05/03/2011 postreply 22:12:31

• 通胀厉害的话，10年后2500 的房租很可能要涨成5000的 -金山海湾- ♀ (0 bytes) () 05/03/2011 postreply 22:43:23

• 哈，给人以很大鼓励 -用户名被占用了- ♂ (0 bytes) () 05/04/2011 postreply 06:41:07

• If it is too good to be true, -lxc20- ♂ (51 bytes) () 05/04/2011 postreply 07:54:28

• it is true that some funds pay high dividend, but the capital -瞎扯淡- ♀ (221 bytes) () 05/04/2011 postreply 09:09:33

• Of course. Even CD has risk -喜狼狼- ♂ (67 bytes) () 05/04/2011 postreply 09:28:14

• so your calculation is WRONG!! -瞎扯淡- ♀ (0 bytes) () 05/04/2011 postreply 09:58:33

• you only figure how much you could get from the dividend, and ig -瞎扯淡- ♀ (233 bytes) () 05/04/2011 postreply 10:02:58

• 就俺的看法，小狼的计划是可行的。 -oldpp- ♂ (0 bytes) () 05/04/2011 postreply 13:50:17

• 1.5M 不够吧？ -micasa- ♂ (45 bytes) () 05/04/2011 postreply 14:20:42

• The most cheerful post ever! -enjoyer- ♀ (0 bytes) () 05/05/2011 postreply 09:35:04