多少錢就可以退休? (1)

另一條線上有人問"哪裏退休好?"想來那線主是攢夠了錢要找一個氣候又好,老中又多的地方來退休.

I'm wondering how much would be enough to retire comfortably? A friend of mine recently declared retirement. He said he went to a financial adviser, brought records of his savings, exclude primary residence, include 401k, IRA, pension, and other investment etc. The adviser told him that he can retire and can live comfortably until at least 90 years old. He has a family of 4, wife doesn't work. One child in college, one in high school. He is 50 years old.

He has 1.8 million in his savings. He has a very small mortgage in his house (less than 100k).

Now, he is retired, i.e. doesn't have to work for money. He'll work if a project falls in his way. He is a civil engineer, building roads, bridges, etc. Recent years he worked as an expert witness in the field.

I would think many Chinese Americans fit into this category if they make 24w for years. Have you considered retirement this year? So you can go back to China, travel, 到這裏來灌水, or do whatever your heart desire.

Someone was asking would they have a comfortable living?

Comfortable is a relative term. I guess maintain their current living standard is a better word.

In their case, 100,000/year income from the savings, with a conservatively 6% return rate. They consider this is comfortable for 2 people.

Children's tuition will draw from education fund created when they were born plus student loans.

[北方憨哥在北美]

錢沒有賺夠和攢夠的時候，多少錢算多，多少錢算少，多少錢夠花，多少錢不夠花，很難有個確切的回答。

如果算計的太細致了，是不是有點兒太累了呢

我考慮提前退休的問題，倒是沒想那麽多。隻是覺得一般的生活就夠了，沒有過不去的坎兒。我也沒有考慮給孩子留下什麽，如果孩子靠老子，這孩子也沒什麽指望，你給他金山銀山也不行。

人生就這麽幾十年，還是輕鬆點兒好，不是我頹廢，我隻是看到比我掙的錢多得多的人，富得很的人，他們自己都說自己不幸福，我天天傻乎乎的樂，阿Q吧，哈哈

謝謝你對我旅途和帖子的關注，多聯絡。

還有，才發現你也是滿世界轉悠的人，有共同語言，回頭慢慢讀你的遊記。