如果今年45，隻要存有40萬，不必繼續存401k，退休也夠了

Sounded too good to be true? 下麵是專家的計算;(from Carrie Schwab).

俺總結一下：假定退休後每年要用10萬（今天的錢），如果有退休金3萬、social security 2萬，65歲時自己需要有存款1.25米，每年從中拿4%，可以維持30年。如果你今年45，有401K存款40萬，就不必再放401k了，到你65歲時，40萬就會長到1.25米（假定每年8%增長率）。

我的疑問哈：
1、1.25米是今天的錢還是15年後的數？好像Schwab女士沒有提及inflation哎。
2、每年增長率8%，現實嗎？

不過這比以前聽到的3-5粒米少多了，如果LD堅持工作到60，俺勝利早退遙遙在望。:-)

摘文：

Here's a hypothetical example. Let's say you and your wife decide you'll need $100,000 a year in income while you're retired. We'll further stipulate that you're entitled to a pension worth $30,000 a year and the two of you will collect Social Security benefits of about $20,000. So you've got to find a way to come up with about $50,000 per year. The Schwab Center for Financial Research has developed a useful way to estimate the wealth you'll need to retire on, which is worth quoting from Rande Spiegelman’s article, “Retirement Spending: The 4% Solution”:
Based on our research, we believe that if you are a conservative-to-moderate investor at retirement who wants a very high level of confidence you can maintain your standard of living and keep pace with inflation for a retirement lasting 30 years, you can follow a basic rule of thumb. The rule is this: You should shoot for a retirement portfolio approximately 25 times as large as your first-year withdrawal. This roughly translates into a 4% withdrawal rate in the first year of retirement.
In this case, 25 times $50,000 is $1.25 million. That's what you'd need, on day #1 of your retirement, in order to be reasonably confident that you can maintain your standard of living over the course of three decades.
Of course, you have 15 more years to save and invest to get to the $1.25 million. If you've got a bit more than $395,000 today, you're in pretty good shape ($395,000 earning 8% per year for 15 years would grow to just over $1.25 million).