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?