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知名度比较高 (热门博主)
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看见用户的“$500万才退休”就生气,还让我们穷苦人活不活了!

(2011-06-26 06:19:02) 下一个
用户上来就狂砸$300万,说在曼哈顿买公寓。这这这这这有点过分了吧。曼哈顿的公寓里,有几个老中啊。所以说,用户说的一点儿都没有代表性,纯粹是异类。

如果我退了休,投奔祖国无门,被迫在美国养老,下面是最一般的生活消费预算:

没有房贷车贷等一切贷款的情况下,每月:

衣:

很简单很简单的,一般非削价不买,平均到每月:$100-200/两人

食:

很简单很简单,基本自己做饭,偶尔上便宜餐馆(一周一两次),每月:$400-600

住:

应该已经付清的小房子,供我平常打牌,请客。没房贷,但每月房屋保险$100-200(看房子豪华程度)。房屋维修,平均每月$100。地产税,$300-500。

行:

没车贷,每月汽油$100-300,保险$30-200

此外,

日常消耗性用品:$200
手机, 电视,上网,$200
电费, 水费,煤气,平均每月$500。
草坪护理,$100
社区管理费,$100 - 150
下雪请小工,平均到每月里:$50
每月请一次客,因为年纪大了,要请人来服务,所以:$200-300,
年纪大了,医疗保险要买的好一些,在加上自己付的那部分钱,$1000-1500。
如果每年出去旅游两次,年纪大了,要买好一些的服务,所以,每年$8000-10000/两人,合每月$800。

这样,合每月$4500-5500的花销,也就是说,每年花费$5-6万。

以65岁退休计,女的比较长寿,活到85岁,一共20年。在没有通货膨胀的情况下,要$100-120万。

另外,20年的退休生活,要买两辆车。买车家保养,再加$10万吧。还要$5-15万自己埋了自己,再有点儿机动灵活的钱,所以,在现有的纸钱不太贬值,物价涨得不太离谱的前提下,有$200-300万够了

以上是退休计划。



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林韵 回复 悄悄话 补充一点:在美国自己埋了自己费用不高的,普通的几千刀大概就够了吧
林韵 回复 悄悄话 这帐算得不错,省得自己再用脑盘算了~~
nightrose 回复 悄悄话 现在平均年龄不断增长,女性很快就可以活到90岁了
bizbidder 回复 悄悄话 You did not count in social security benefits for both of you, and interest/investment income. For such a living standard, not much money to leave to your kids, you only need 1 to 2 MM in saving and retirement plans. But again, cost can be higher.
slow_quick 回复 悄悄话 回复slow_quick的评论:
dey earlier => die earlier
slow_quick 回复 悄悄话 "Honey, if we work longer and dey earlier, we might be able to make do with our 401Ks"
qsnfj 回复 悄悄话 To add the following:

inevitably, health will go downhills, you will need personal care services, somebody who eithe lives there or come by during the day, to do cooking, light cleaning, and help get grocery etc. that is $2000 a month, at least.

-then transportation, with health declining, mind not as alert, vision not as good, driving may be dangerous. you may need transportation service at certain point to take you to the doctors, to the banks, to airport and to run some other errands.. at least 200 a month or more..

if one has to go to nursing home for intensive care, 24/7, that could be costly, if your medicare doesn't cover the 100% cost, or if you go to a privately owned facility with good services, you may need to spend a lot out of pocket..



吭个老倌 回复 悄悄话 问题是, 七老八十的, 还能 一直干下去?
吭个老倌 回复 悄悄话 纸钱不太贬值,物价涨得不太离谱: With O8, it is a piper dream now. Note: I voted for him.
rbrt 回复 悄悄话 看来只有一直干下去了。
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