{"id":53220,"date":"2024-08-18T15:42:52","date_gmt":"2024-08-18T19:42:52","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=25643"},"modified":"2025-04-24T09:38:00","modified_gmt":"2025-04-24T13:38:00","slug":"how-much-do-i-need-to-retire","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/how-much-do-i-need-to-retire\/","title":{"rendered":"How Much Do I Need to Retire (simple guide + real life story)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"53220\" class=\"elementor elementor-53220\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d6985d elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"9d6985d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b8b00a\" data-id=\"2b8b00a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2126c9f elementor-widget elementor-widget-text-editor\" data-id=\"2126c9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">You really want a number? Okay, here it is: $1.8 million. That\u2019s how much you and your partner need to comfortably retire.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Of course, there\u2019s nuances to everything, so in this post, I\u2019ll walk you through the math behind that number and show you how to start saving for your retirement today. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dccd25 elementor-widget elementor-widget-heading\" data-id=\"0dccd25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much retirement savings do I need? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfa63b5 elementor-widget elementor-widget-text-editor\" data-id=\"dfa63b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Taking into account the following:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Retirement age:<\/b><span style=\"font-weight: 400;\"> Let\u2019s say you retire at 65.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How long you\u2019ll live<\/b><span style=\"font-weight: 400;\">: As of writing this, American women will live, on average, 14 years beyond 65, and men will live 8 years beyond 65\u2014to ages 79 and 73, respectively. (Now you see why I want you to live your Rich Life now.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Income<\/b><span style=\"font-weight: 400;\">: Assume you make the median household income of $70,784 and want to continue your lifestyle in retirement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>You need<\/b><span style=\"font-weight: 400;\">: $1.8 million ($1,770,100, to be exact).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">That number isn\u2019t random. It\u2019s based on financial advisor Bill Bengen\u2019s \u201c4 percent rule,\u201d which says that you can safely withdraw 4 percent of your portfolio every year of retirement\u2014including increasing your withdrawals based on inflation\u2014and not run out of money within 30 years. (To simplify the actuarial science, we use 30 years because you want to protect yourself from running out of money before you die.) Some bozos claim you can safely withdraw 8 percent per year (and \u201ceasily\u201d make 12 percent in the market), but 4 percent is much more realistic. I cover this in more depth in <\/span><a href=\"https:\/\/www.amazon.com\/Will-Teach-You-Rich-Second\/dp\/1523505745\"><span style=\"font-weight: 400;\">I Will Teach You to Be Rich<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have $1.8 million in your portfolio, you can safely withdraw $72,000 per year\u2014which, in this example, is exactly the current income you\u2019re living on. You wanted to know the number, so there you go.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a lot of people, that\u2019s terrifying. So I want to add some nuance. That number assumes you keep spending the same amount in retirement, which won\u2019t necessarily be the case. You might spend far less because you\u2019re no longer commuting or you\u2019ve downsized. Do you plan to travel a lot? You might spend more! What if one of you gets sick? Suddenly, you might not travel at all (but have huge medical bills).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019ve paid off your house, you won\u2019t need to spend nearly as much. If you\u2019ve invested in tax-advantaged accounts, you\u2019ll pay less in taxes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And there are even more factors we didn\u2019t consider. We haven\u2019t accounted for your social security benefits, any pensions you may have, your asset allocation, or the more technical aspects of \u201cspending flexibility\u201d (such as cutting spending if the stock market performs poorly).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-deb2a3c elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"deb2a3c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aab3ff5\" data-id=\"aab3ff5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-edaceda elementor-widget elementor-widget-heading\" data-id=\"edaceda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does the 4% rule work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dad4dc elementor-widget elementor-widget-text-editor\" data-id=\"3dad4dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In a nutshell: <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e674e5 elementor-widget elementor-widget-text-editor\" data-id=\"1e674e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i><span style=\"font-weight: 400;\">Amount you need to retire = Average annual expenses x 25 <\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e72b5c3 elementor-widget elementor-widget-text-editor\" data-id=\"e72b5c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Following the 4% rule should allow you to withdraw 4% of your savings each year when you retire without touching the principal. This rule is based on a <\/span><a href=\"https:\/\/incomeclub.co\/wp-content\/uploads\/2015\/04\/retirement-savings-choosing-a-withdrawal-rate-that-is-sustainable.pdf\"><span style=\"font-weight: 400;\">study from Trinity University<\/span><\/a><span style=\"font-weight: 400;\"> that determined 4% is a good rate to withdraw per year for 30-year retirements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To find out how much YOU need to retire with The 4% Rule, you simply need to:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Find out how much you spend yearly. This includes everything that you might possibly spend in a year including rent, utilities, groceries, gas, etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiply it by 25. (Or however many years you anticipate being retired)<\/span><\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cded7c7 eael-dt-th-align-center eael-table-align-center elementor-widget elementor-widget-eael-data-table\" data-id=\"cded7c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-data-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"eael-data-table-wrap\" data-table_id=\"cded7c7\" id=\"eael-data-table-wrapper-cded7c7\" data-custom_responsive=\"false\">\n\t\t\t<table class=\"tablesorter eael-data-table center\" id=\"eael-data-table-cded7c7\">\n\t\t\t    <thead>\n\t\t\t        <tr class=\"table-header\">\n\t\t\t\t\t\t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Annual Expenses<\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">How much you need to save<\/span><\/th>\n\t\t\t        \t\t\t\t        <\/tr>\n\t\t\t    <\/thead>\n\t\t\t  \t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$20,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$500,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$30,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$750,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$40,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$50,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$1,250,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$60,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$1,500,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$70,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$1,750,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$80,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$2,000,000\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t    <\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t  \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14ad3bf elementor-widget elementor-widget-text-editor\" data-id=\"14ad3bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Again, given that the median household income is $70,784 and assuming you want to maintain a similar lifestyle while retired, we can find the safe withdrawal rate by multiplying that number by 25, which will get us $1,769,600. (This is pretty much the $1.8 million I mentioned earlier in the post)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Despite the 4% Rule being a widely known guideline for retirement savings, remember that it&#8217;s just a rule of thumb. While many are quick to <\/span><a href=\"https:\/\/www.fool.com\/retirement\/2018\/01\/16\/3-serious-problems-with-the-4-retirement-rule.aspx\"><span style=\"font-weight: 400;\">point out its flaws<\/span><\/a><span style=\"font-weight: 400;\">, the rule can still provide a rough estimate of how much you need to save for retirement.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b652543 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"b652543\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c6cc40c\" data-id=\"c6cc40c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b58b25f elementor-widget elementor-widget-heading\" data-id=\"b58b25f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do I have enough savings for retirement?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9104b52 elementor-widget elementor-widget-text-editor\" data-id=\"9104b52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Here\u2019s a quick table to see how you\u2019re faring by age group: <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d94204f eael-dt-th-align-center eael-table-align-center elementor-widget elementor-widget-eael-data-table\" data-id=\"d94204f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-data-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"eael-data-table-wrap\" data-table_id=\"d94204f\" id=\"eael-data-table-wrapper-d94204f\" data-custom_responsive=\"false\">\n\t\t\t<table class=\"tablesorter eael-data-table center\" id=\"eael-data-table-d94204f\">\n\t\t\t    <thead>\n\t\t\t        <tr class=\"table-header\">\n\t\t\t\t\t\t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Age<\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Average Retirement Savings<\/span><\/th>\n\t\t\t        \t\t\t\t        <\/tr>\n\t\t\t    <\/thead>\n\t\t\t  \t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tLess than 35 \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$49,130\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t35- to 44-year-olds\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$141,520\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t45- to 54-year-olds\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$313,220\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t55- to 64-year-olds\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$537,560\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t65- to 74-year-olds\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t$609,230\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t    <\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t  \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43512a4 elementor-widget elementor-widget-text-editor\" data-id=\"43512a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i><span style=\"font-weight: 400;\">The average balance in retirement accounts by age, as of 2022 according to the <\/span><\/i><a href=\"https:\/\/www.federalreserve.gov\/econres\/scf\/dataviz\/scf\/table\/#series:Retirement_Accounts;demographic:all;population:all;units:median\"><i><span style=\"font-weight: 400;\">Federal Reserve\u00a0<\/span><\/i><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Like a good yoga instructor, all these numbers are flexible. This means your plans will probably change as the years pass by. You could get sick and have to take time off from work. You could win the lottery. (It probably won\u2019t happen \u2026 but <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/win-lottery-what-to-do\/\"><span style=\"font-weight: 400;\">I\u2019ve got your back if you do<\/span><\/a><span style=\"font-weight: 400;\">.)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What matters is that you roll with the changes and adjust your plan accordingly \u2014 even if that means your retirement plans are pushed back a bit. Knowing your monthly savings rate removes the guesswork when life throws you a curveball.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you follow my <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/conscious-spending-basics\/\"><span style=\"font-weight: 400;\">Conscious Spending Plan<\/span><\/a><span style=\"font-weight: 400;\">, you\u2019ll know that I recommended you save 5-10% of your income for long term investments (a.k.a retirement)<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1982736 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1982736\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19c9308\" data-id=\"19c9308\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-04a6a39 elementor-widget elementor-widget-heading\" data-id=\"04a6a39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Real life story of a couple planning retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5baee8a elementor-widget elementor-widget-text-editor\" data-id=\"5baee8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/158-adrienne-rob\/\"><span style=\"font-weight: 400;\">Rob and Adrienne<\/span><\/a><span style=\"font-weight: 400;\"> are nearing retirement but worried about having enough.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In our conversation, we dig into their Conscious Spending Plan to reveal a massively successful investment strategy that remains shrouded by deep lingering fears, $3 questions, and hard-to-break bad habits with money.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rob is still plagued by his fears about spending money despite the both of them already having $2million in net worth. Adrienne has bigger visions of a rich life and they both struggle to communicate that with each other.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To help them, I pressed them on the importance of setting specific, quantifiable goals. Vague aspirations can perpetuate financial anxiety, while concrete numbers provide a clear target to work towards.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By nudging Adrienne for specifics, I wanted to show how being detailed with their desires could make their retirement planning more enjoyable. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b621a60 elementor-widget elementor-widget-video\" data-id=\"b621a60\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/fZSlSnFI0MA&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1541a9f elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1541a9f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70c1cb8\" data-id=\"70c1cb8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b51df18 elementor-widget elementor-widget-text-editor\" data-id=\"b51df18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:05:04] Adrienne: I would love to tip extra when I go out to eat with people. I would love to also&#8211; I don&#8217;t know. If I had to dream, like a dream, I would love to create, if I had the money, if this is actually real, to create a scholarship for some people that I know would love to take coaching programs that I love, or to take classes or things like that. I would love to be able to have that kind of generosity in the world. And also really support causes that mean a lot to us, like environmental causes and things like that. And we do give money to charity, but to give a little extra more money to charity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:06:03] Ramit: Let me pause you there, Adrienne. I love what you&#8217;re saying. You know what I haven&#8217;t heard at all? Is any specifics. So you mentioned tipping. I don&#8217;t know how much. You mentioned a scholarship. I don&#8217;t know how much. Charity, I don&#8217;t know how much. If we&#8217;re talking about an extra 2% tip, let&#8217;s just say it and be done with it because that&#8217;s easy. Look at Rob&#8217;s face right now. Rob&#8217;s like, what the fuck numbers are you talking about? Just tell me the number. I have the calculation open right now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:06:29] Rob: Fear was coming up as she was describing all of this stuff.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:06:32] Ramit: Hold on. Hold on. Hold on. Hold on. Hold on. This is very important. This is amazing. So Adrienne, you&#8217;re painting this beautiful vision. I love it. It&#8217;s powerful. It&#8217;s compelling, and it&#8217;s personal. That is a beautiful set of ingredients for a Rich Life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:06:48] Rob did a great job. Rob, first you were clouded by fear. It&#8217;s like a cloud. That&#8217;s what I see. Fear, it&#8217;s a cloud, a poisonous gas you can&#8217;t see through, and you inhale. Look at me. And the toxin gets into you. It makes you unable to hear. It even makes you unable to see.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:07:13] It&#8217;s a noxious green gas cloud around you. That&#8217;s fear. That&#8217;s how I see it. But we cleared it away, and you were an excellent listener. So let&#8217;s try to ground this a little bit. Let&#8217;s start with the tipping. I love tipping. I love people who tip. I hate cheap tippers. What percentage do you have in mind in your Rich Life?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:07:34] Adrienne: I had 25%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:07:37] Ramit: Love it. So do we all agree from now on you&#8217;re going to tip 25%? Is that the new rule?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:07:45] Rob: Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:07:47] Ramit: You&#8217;re sure? I don&#8217;t want to pressure anybody. It&#8217;s your money. It&#8217;s not mine. Tell me. If you&#8217;re worried, this is the time to speak up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:07:53] Rob: I&#8217;m not worried. This is what I&#8217;ve been tipping mostly. So yeah, it&#8217;s fine.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:07:57] Ramit: All right. Adrienne, how do you feel about that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:07:59] Adrienne: I feel good about it now that I know that I&#8217;m allowed to do it too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:08:05] Ramit: Totally. What do you learn from that example, Adrienne, in describing your Rich Life?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:08:10] Adrienne: I learned that Rob and I don&#8217;t ask each other a lot of questions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:08:15] Ramit: Correct. You two are not asking each other any questions, so it&#8217;s like one person&#8217;s just saying something, and then the ball just drops like dead. There&#8217;s dead silence here.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c178257 elementor-widget elementor-widget-text-editor\" data-id=\"c178257\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Most couples I talk to are often blinded by the numbers, they miss the bigger picture of what money can do for their lives. I also pointed this out with Rob and Adrienne. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d76c8fc elementor-widget elementor-widget-text-editor\" data-id=\"d76c8fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:14:38] Adrienne: Well, we hired a coach actually, who&#8217;s really cool, someone from our community. And then we just decided to commit to this. It&#8217;s an emotional program that&#8217;s on Zoom. It happens every other Tuesday, where we get together with a whole entire community of people, and we talk about different issues. And then we also have private counseling as well on Zoom.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:15:10] So that&#8217;s what this year was dedicated to. I was a little bit surprised when Rob said that we weren&#8217;t doing anything that he wanted to do this year because I feel like we&#8217;re doing a lot together that I thought we both decided on together.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:15:29] Rob: Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:15:30] Ramit: That&#8217;s because in your relationship, the numbers eclipse everything else. You could go on an amazing vacation and all you remember about it are the numbers. You can be doing all these amazing things, but the only true central focus in your relationship as it relates to your Rich Life is the numbers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:15:50] And that will not change no matter how much money you have. Your money&#8217;s going to double. You know the math. Rule of 72. It&#8217;s going to double. It will not change until you tackle the actual symptoms. I&#8217;m glad you&#8217;re doing this coaching class. I think that&#8217;s amazing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:16:06] Adrienne: The rule of 72, though, does that apply even if you&#8217;re not putting money into the market?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:16:12] Ramit: Totally irrelevant to a more important point.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:16:17] Ramit: You&#8217;re proving my point, which is that in your relationship, numbers eclipse everything else. Do you see what I mean? And it&#8217;s hard. It&#8217;s easier to ruminate and spin, but it&#8217;s hard to be like, what&#8217;s actually going on in here?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:16:59] I love that you&#8217;re starting to tackle it, but in my opinion, of all the stuff you talked about, relaxing, using your heart, helping the planet, getting to have fun and relax, massages, trips, the only way you actually get to do this and enjoy it is if you learn to manage your fears, Rob. Nothing else matters.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:17:22] Rob: Part of it is a lack of vision, and part of it is fear. I feel like the fear is almost like the fog you&#8217;re talking about. It&#8217;s a general fear. I don&#8217;t know if I have a specific&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:17:34] Ramit: I guess what I&#8217;m saying is, Rob, we can see that this is costing you a lot. It&#8217;s costing you trips. Most importantly, your fear is costing you the ability to connect with Adrienne over a Rich Life vision, one that you&#8217;ve both worked incredibly hard for.&#8221;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94e8135 elementor-widget elementor-widget-text-editor\" data-id=\"94e8135\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">To give them more perspective, I also walked them through several tangible options they could consider. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80df68a elementor-widget elementor-widget-text-editor\" data-id=\"80df68a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:39:27] Ramit: Assuming you stop working this year, you keep your expenses where they are, at 4,900 a month, no wiggle room. You continue to travel for coaching retreats, etc. $30,000 a year, and you live until 95. We&#8217;re assuming that because you&#8217;re in good health. And again, you don&#8217;t want to run out of money before you die. What do you notice on screen, Rob?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:39:57] Rob: When I&#8217;m 90 years old, I&#8217;m still going to have $1.2 million.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:40:01] Ramit: Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:40:57] Rob: At the end of life, we end up with over a million dollars doing it that way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:41:02] Ramit: Yeah. And remember, that&#8217;s if you live until 94, 97. It continues to grow. It grew last year, but I felt like because the market was doing so well last year, that was the only reason it grew last year. For the next seven years or eight years, it has the balance growing as opposed to leveling off so early.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:41:30] Adrienne: It seems more relaxing to know that everything is going to be okay, I guess.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:41:40] Ramit: Okay. I love that comment. How do you know this chart is more relaxing?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">[00:41:48] Adrienne: Because there&#8217;s not a negative sign on it.&#8221;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8daa368 elementor-widget elementor-widget-text-editor\" data-id=\"8daa368\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Helping Rob and Adrienne open up about their retirement dreams revealed just how deeply fear can take hold, even when you&#8217;re financially successful. By gently pushing for specifics and digging into those underlying beliefs, I wanted to show them how getting crystal clear on what they want is the key to actually enjoying their success. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f91fe1 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"5f91fe1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e117d4\" data-id=\"2e117d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cf4404 elementor-widget elementor-widget-heading\" data-id=\"5cf4404\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to start saving for retirement today<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03d0a91 elementor-widget elementor-widget-text-editor\" data-id=\"03d0a91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">There are two main retirement vehicles:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/worlds-easiest-guide-to-retirement-accounts\/#401k\"><span style=\"font-weight: 400;\">Company-matched 401k<\/span><\/a><span style=\"font-weight: 400;\">. This is a powerful retirement account offered to you by your employer. With each pay period, you put a portion of your pre-tax paycheck into the account. Your company might match your contribution up to a certain percentage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/worlds-easiest-guide-to-retirement-accounts\/#roth-ira\"><span style=\"font-weight: 400;\">Roth IRA<\/span><\/a><span style=\"font-weight: 400;\">. A Roth IRA uses after-tax dollars to give you an even better deal. That means you put already taxed income into stocks, bonds, or index funds and pay no taxes when you withdraw it.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Within each account, you can invest in a variety of different funds that\u2019ll earn money for you. Which do I suggest? I\u2019m glad you asked\u2026<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4bb3e4 elementor-widget elementor-widget-heading\" data-id=\"e4bb3e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1be0eb6 elementor-widget elementor-widget-text-editor\" data-id=\"1be0eb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: c420fd19-703e-4ec3-a03e-9da5ea3a8434 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bceaf0d elementor-widget elementor-widget-button\" data-id=\"bceaf0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-48dd9a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"48dd9a7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8486a9\" data-id=\"b8486a9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ce7d01 elementor-widget elementor-widget-heading\" data-id=\"5ce7d01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Where should I focus my retirement investing?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cf17b1 elementor-widget elementor-widget-text-editor\" data-id=\"8cf17b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">How much you should actually be investing each month depends on a system I call the Ladder of Personal Finance. It looks at three areas:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your employer\u2019s <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/how-much-should-i-have-in-my-401k\/\"><span style=\"font-weight: 400;\">401k<\/span><\/a><span style=\"font-weight: 400;\"> match. Each month you should be contributing as much as you need to in order to get the most out of your company\u2019s 401k match. That means if your company offers a 5% match, you should be contributing AT LEAST 5% of your monthly income to your 401k each month.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether you\u2019re in debt. Once you\u2019ve committed yourself to contribute at least the employer match for your 401k, you need to make sure you don\u2019t have any debt. If you don\u2019t, great! If you do, that\u2019s okay. You can check out <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/how-to-get-out-of-debt-fast\/\"><span style=\"font-weight: 400;\">my system for eliminating debt fast<\/span><\/a><span style=\"font-weight: 400;\"> to help you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your Roth IRA contribution. Once you\u2019ve started contributing to your 401k and eliminated your debt, you can start investing in a Roth IRA. Unlike your 401k, this investment account allows you to invest after-tax money and you collect no taxes on the earnings. As of writing this, you can contribute up to $7,000\/year. (updated 2024)<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Once you\u2019ve contributed up to that $7,000 limit on your Roth IRA, go back to your 401k and start contributing beyond the match.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember, you can contribute up to <\/span><a href=\"https:\/\/www.kiplinger.com\/article\/retirement\/T047-C001-S003-you-can-contribute-more-to-your-401-k-in-2018.html\"><span style=\"font-weight: 400;\">$23,00\/year on your 401k if you\u2019re under 50<\/span><\/a><span style=\"font-weight: 400;\">. So you should have no issue continuing to invest in your 401k.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cBut Ramit, why would I max out my Roth IRA before my 401k if it\u2019s so good?\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">There\u2019s a lot of nerdy debate in the personal finance sphere about this very question, but my position is based on taxes and policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Assuming your career goes well, you\u2019ll be in a higher tax bracket when you retire, meaning that you\u2019d have to pay more taxes with a 401k. Also, tax rates will likely increase in the future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you have your accounts set up, it\u2019s time to start investing \u2014 and there\u2019s no better way to do this than with an automated system. Automating your finances is a system that allows you to invest passively instead of you constantly wondering if you have enough money to spend.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And it\u2019s simple: At the beginning of the month, when you receive your paycheck, the money is immediately sent to where it needs to go through automatic systems that you have set up already. If you want to find out more about how to automate your finances to properly save for retirement, check out my video below:\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af1c59e elementor-widget elementor-widget-video\" data-id=\"af1c59e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=tE1s4Eg6SCE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b3d4263 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"b3d4263\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6a1e3ce\" data-id=\"6a1e3ce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8963a82 elementor-widget elementor-widget-heading\" data-id=\"8963a82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Earn more money for retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec280ed elementor-widget elementor-widget-text-editor\" data-id=\"ec280ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Knowing how much you need to retire is just the first step to saving for your future. If you really want to ramp up your investing you need to earn more money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Doing so will put you in the best position to retire comfortably. That\u2019s why I have a gift for you: The Ultimate Guide to Making Money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In it, I\u2019ve included our best strategies to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Create multiple income streams so you always have a consistent source of revenue<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Start your own business and escape the 9-to-5 for good<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increase your income by thousands of dollars a year through side hustles like freelancing<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ec935c elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"1ec935c\" data-element_type=\"widget\" data-e-type=\"widget\" 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id=\"wpforms-96404-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"96404\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/53220\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/how-much-do-i-need-to-retire\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-96404\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Find out exactly how much you need to retire comfortably \u2014 along with a system on how to do it 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