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.
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.
为什么天天问天天讨论？缺安全感，骨子里的。
67退休，基本不用存钱了吧。
干到67， 一个人的SS也有4万多了， 配偶即使不工作也可以拿一半， 2万多， 加起来就是7万。
70岁以后， 人也不太跑的动， 吃不了多少了， 多少存点401K 就够了。