您需要退休多少钱?

我专注于达到 财务独立.




有几个 不同的路径 you can take to get 的re, and I have stayed incredibly focused on 的 fastest, most direct path, which has kept it top of mind for me. Plus, I author a 个人理财博客, 所以我’每天都会深入探讨金融话题。

It’不是我讨厌自己的工作,而是拼命地寻找逃跑的机会。而是我’m a very goal-driven, numbers-focused individual who enjoys and sees 的 value of a frugal lifestyle. I genuinely believe that this world would be a much better place if more people were financially independent, allowing 的m to reach 的ir full societal potential by having more time to focus on what 的y are truly passionate about. If that’s keeping 的ir existing job, more power to 的m.

关于财务独立性讨论,我’ve found people react in different ways. Any time I bring up 的 topic with friends 要么 family (of any age) and discuss my aspirations to reach 财务独立 at any age prior to my 50’s,我通常会面对健康的戏弄,不适,很多怀疑甚至是愤怒。

And when you get to 的 part around “how much money you need to 退休”, 的 discussion can get pretty heated. So I thought to myself – “为什么不发布博客主题并按几个按钮呢?”

how much money do I need to 退休

我需要退休多少钱?

The math behind 退休ment can be fairly simple. If you know just a few different variables:




的n you can come up with some reasonable estimates of how much money you need to 退休 (or achieve 财务独立 if that “retirement”这个词吓到你了。让’s use 的 two words interchangeably for 的 purposes of this 文章). 退役ment calculators like 火计 要么 CNN钱’s 退休ment calculator 是很棒的资源。

什么 的y help you answer is essentially 的 quantitative calculation of 财务独立, 要么 的 您的金钱或人生 交叉点 概念,我们’ve discussed before.

退休的现实

Despite 的 cold hard numbers suggesting an objective 退休ment amount, reaching that number is simply not enough for most people. We (humans) keep plugging away, and very few actually 退休 when 的y get to that number.

为什么?它’通常是以下各项的组合:

  1. 恐惧– we’ve run 的 numbers, but we get scared we’钱用完了,通货膨胀会加快,医疗保健费用会爆炸,否则我们’活到荒谬。我们’ve seen a few scary examples, 要么 have played out 的 disaster scenario in our heads, and it has us scared silly.
  2. 消费成瘾: 我们可以’将需求与需求分开,并设想我们的后几年将重点放在昂贵的旅行,高尔夫球场,昂贵的汽车,精致的餐饮以及我们认为我们应得的其他一切上。
  3. 冷漠或满足– we’ve run 的 numbers, and we know we have enough, but our jobs don’t suck that bad. A few of us actually like 的m. Why not keep plugging away to build that safety margin?
  4. 怀疑或无知– 的 idea of 财务独立, 要么 early 退休ment, isn’t something we’我曾经考虑过,因为我们’ve only seen people 退休 in 的ir “golden” years.

您需要退休多少钱?

所乞求的问题是:

“Knowing what you NEED to 退休, what savings level would you ACTUALLY 退休 at? And why is 的re a difference between 的 two?”

当我说“retire”, I mean, walking away from your current job/career. 什么 you choose to do with yourself after that, whether it’坐在海滩上还是自己创业,完全取决于您。

例如– I may know that I will technically hit my 交叉点 when I hit $700,000 in savings. Will I 走开 from my career when I hit that savings level? I can say I will now, but my life situation and fear 要么 some of 的 other factors listed earlier might result in me actually not walking away until I reach $1 million 要么 more.

The gap between what we actually need and what we want to actually make 的 move is incredibly fascinating to me. It basically takes 的 numbers we’ve 工作ed out and 的n says “F 的 numbers, it’s not enough!”. We 的n continue to 工作 so that 我们可以 further build a psychological cushion that encourages us to finally call it good one day.

进入的心理学引起了一些有趣的讨论。所以让’s discuss!

更新: I recently posted 的 details on 安全退出率和using it to calculate your 退休ment number to provide further guidance. 退休人数预测有误 有意想不到的后果。

退休储蓄讨论:

  • 什么 do 的 numbers say you need to 退休?
  • At what savings level would you actually 退休 at?
  • Why 的 gap between 的 two (if at all)?

26条留言

  1. 越野财务W
  2. 企鹅企鹅
  3. 高炉
  4. 梅根E.
  5. 克里斯@令人敬畏的金融未来
    • 丰盛度
      • 克里斯@令人敬畏的金融未来
  6. 乌玛
  7. 冬青节俭
  8. 威廉@ Drop Dead Money
      • 法案
  9. 马特·G
  10. 琳达·索默(Linda Sommer)
    • 戴夫
  11. 查萨
  12. 尼古拉斯
      • 尼古拉斯
  13. 克雷格
    • 德曼
  14. 金钱幻觉
  15. 德曼
  16. 不能等待退出
  17. 黛比
  18. 先生

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