多少钱就可以退休? (1)

另一条线上有人问"哪里退休好?"想来那线主是攒够了钱要找一个气候又好,老中又多的地方来退休.

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, 到这里来灌水, 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]

钱没有赚够和攒够的时候，多少钱算多，多少钱算少，多少钱够花，多少钱不够花，很难有个确切的回答。

如果算计的太细致了，是不是有点儿太累了呢

我考虑提前退休的问题，倒是没想那么多。只是觉得一般的生活就够了，没有过不去的坎儿。我也没有考虑给孩子留下什么，如果孩子靠老子，这孩子也没什么指望，你给他金山银山也不行。

人生就这么几十年，还是轻松点儿好，不是我颓废，我只是看到比我挣的钱多得多的人，富得很的人，他们自己都说自己不幸福，我天天傻乎乎的乐，阿Q吧，哈哈

谢谢你对我旅途和帖子的关注，多联络。

还有，才发现你也是满世界转悠的人，有共同语言，回头慢慢读你的游记。