cover of episode How to Make $100,000/Year in Retirement

How to Make $100,000/Year in Retirement

2024/9/13
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George Kamel
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主讲人：本视频探讨如何规划退休收入，达到每年10万美元的目标。许多人关注退休储蓄总额，例如100万或200万美元，但更重要的是关注每年可提取的金额以维持生活水平。视频中，我们以10万美元的年收入为目标，探讨如何通过储蓄和投资实现这一目标。首先，我们需要考虑提取率，即每年从储蓄中提取的百分比。财务顾问通常建议4%的保守提取率，以确保资金不会耗尽。基于此，要获得10万美元的年收入，我们需要250万美元的储蓄。达到这个目标所需的每月储蓄额取决于起始储蓄金额和剩余时间。视频中，我们基于10%的年平均回报率，计算了不同年龄段（20岁、30岁、40岁、50岁）达到250万美元目标所需的每月储蓄额。结果显示，尽早开始储蓄至关重要。即使无法达到250万美元的目标，也可以根据自身情况设定更低的退休储蓄目标。此外，优先投资罗斯账户可以降低税收风险。尽早开始投资，并持续投资，利用复利的力量，可以实现财务目标。即使晚开始储蓄，也可以通过增加每月储蓄额和利用补缴机制来弥补。总而言之，退休规划需要长期视角，需要自律、简单、持续和时间。

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Retirement planning requires considering retirement income, not just savings targets. This chapter explores how much you need to save to have a $100,000 annual income during retirement, factoring in withdrawal rates, investment returns, and the importance of starting early.
  • A 4% withdrawal rate is generally recommended by financial advisors.
  • The S&P 500 has historically returned 10-12% annually.
  • Starting early significantly impacts retirement savings due to compound growth.
  • A $2.5 million nest egg is needed for a $100,000 annual income at a 4% withdrawal rate.

Shownotes Transcript

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When it comes to retirement savings, most people have a specific dollar amount in mind, like $1–2 million. But you have to consider what I call your retirement income. In this video, you’ll learn how to have a yearly income of $100K well into your golden years.  

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