Spending for ages 50–65 (15 years): $52,000 × 15 = $780,000 Spending for ages 65–85 (20 years): $40,000 × 20 = $800,000Total required savings (before Social Security): $1.58 million Assume you receive $1,500/month ($18,000/year) starting at age 62: Social Security reduces the amount you need to withdraw from savings after age 62. Over 20 years (65–85), this adds up to approximately $360,000. SS的钱就当emergency fund吧。
你现在每月大概花多少钱，退休后要再加上自购医疗保险，差不多能维持目前生活水平，如果愿意去低消费地区，过极简生活，那也花不了多少钱。
就非得要那种对未来确定性的完全掌控？
主要是怕50岁后裁了不好找了，做好这种准备
看到了一个靠谱的
怎么算的？
1200+生活费用 乘准备活几个月 加点buffer 就好了
这种计划是要把账户资金留给孩子什么的 楼主没有后人 不需要这么aggressive
对, 这种是 assume 本金不动, 只用本金产生的升值
申请白卡呀，咱合法移民就是死脑筋。
我才知道，白卡只看收入，退休没有收入了。
无论你自住房价值多少，有几个投资房，存款百万千万上亿都没问题，只要投资报税收入不过线就行
但是你的利息, capital gain 都是算是收入啊
几十万存款的利息也过不了线，出租收益可做成亏损，就是我们拿W2的韭菜逃无所逃，这还不SB么？
楼主拿白卡应该是够的
Spending for ages 50–65 (15 years): $52,000 × 15 = $780,000 Spending for ages 65–85 (20 years): $40,000 × 20 = $800,000 Total required savings (before Social Security): $1.58 million Assume you receive $1,500/month ($18,000/year) starting at age 62: Social Security reduces the amount you need to withdraw from savings after age 62. Over 20 years (65–85), this adds up to approximately $360,000.
SS的钱就当emergency fund吧。