How Much Do I Really Need to Retire?

本帖于 2024-02-15 16:35:09 时间, 由普通用户 sji 编辑

etirement. The idea of being done with work for good might be music to your ears. But thinking about how to fund the years after working is daunting for many.

The exact figure of how much money you’ll need for a comfortable retirement depends on many variables, including your lifestyle and where you live. A rule of thumb suggests you’ll likely spend about 80% of your working-life income in each year of your retirement.

 

It is also often said that $1 million in savings — from retirement plans to insurance policies, investments, and straight up cash — is a fair number to get you through retirement. Though everyone’s financial situation is unique.

Getting there requires planning, and incorporating saving for the future into your financial decision making today. It’s also the reason financial planners often tell you to get started as early as possible — it gives you more time to get to your goal amount, and might require fewer sacrifices along the way.

Here are some guidelines for how much you might want to consider saving.

 

 

 

30 1x your annual salary
40 3x your annual salary
50 6x your annual salary
60 8x your annual salary
67 10x your annual salary
 

所有跟帖: 

那三十退休就好了,最便宜 -名校FAN- 给 名校FAN 发送悄悄话 名校FAN 的博客首页 (0 bytes) () 02/15/2024 postreply 16:29:43

看这个觉得自己现在可以退休了,但看了投谭后觉得不能退休。 -sji- 给 sji 发送悄悄话 sji 的博客首页 (0 bytes) () 02/15/2024 postreply 16:30:35

我觉得有道理,自住房不算,计划按这个来退休 :) -成功的兔- 给 成功的兔 发送悄悄话 (0 bytes) () 02/15/2024 postreply 16:55:23

标题有点误导:应该是正常退休(估计是67)在各个年龄段应该有的退休金数额 -spookyoldtree- 给 spookyoldtree 发送悄悄话 (0 bytes) () 02/15/2024 postreply 16:35:41

应该是这个意思。 -sji- 给 sji 发送悄悄话 sji 的博客首页 (0 bytes) () 02/15/2024 postreply 16:38:47

who wrote this B--S--... -borisg- 给 borisg 发送悄悄话 borisg 的博客首页 (0 bytes) () 02/15/2024 postreply 16:35:45

LOL -hz82000- 给 hz82000 发送悄悄话 hz82000 的博客首页 (0 bytes) () 02/15/2024 postreply 16:36:54

帮波大翻译一下?这文章完全就是个不谢特! -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 02/15/2024 postreply 16:40:08

老中大多数光是退休基金里的就超出这个标准了还不要说投资房什么的活钱,ssn有没有估计都不影响,哪个老中不够钱退休? -2008VGirl- 给 2008VGirl 发送悄悄话 2008VGirl 的博客首页 (72 bytes) () 02/15/2024 postreply 16:59:41

50W 扔股市里,每年10%收益,再加上退休金,难道还不够花吗? -仁雅居- 给 仁雅居 发送悄悄话 (0 bytes) () 02/15/2024 postreply 17:02:50

谁保证每年百分之十? -2008VGirl- 给 2008VGirl 发送悄悄话 2008VGirl 的博客首页 (0 bytes) () 02/15/2024 postreply 17:06:37

+1 -螺丝螺帽- 给 螺丝螺帽 发送悄悄话 螺丝螺帽 的博客首页 (0 bytes) () 02/15/2024 postreply 17:16:27

能保证5%就可以了 -sji- 给 sji 发送悄悄话 sji 的博客首页 (0 bytes) () 02/15/2024 postreply 17:36:12

67退休,有SS,多少存点401K就够了吧 -春天的草地- 给 春天的草地 发送悄悄话 春天的草地 的博客首页 (282 bytes) () 02/15/2024 postreply 18:35:36

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