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在美国一对夫妇一年基本的退休生活费用需要多少

(2018-09-17 07:07:55) 下一个

在美国一对夫妇一年基本的退休生活费用需要多少

by JessAB

Estimated basic monthly expenses for a retired couple after age 62

1. Utilities, phone, cable, water, gas, etc. $1600

2. Food, dining out: $ 1200

3. Property tax ( no mortgage): $ 1500

4. Insurance (car, home):  $ 500

5. Medical premium and copay: $ 1200 ( will be less after using Medicare at 65)

6. Miscellaneous: $ 4000

Total monthly expenses: $ 10,000 aftertax/monpretax $ 13,000/mon

Estimated monthly fixed cash flow for a couple at 62

1. Company pensions: $ 4500

2. SSN starting at 62: $ 4000

3. SSN starting at 67: $ 6200

Total pretax fixed cash: $ 8500/mon at 62

The difference between the expenses and fixed cash flow will come from the saving and retirement accounts.

Are the basic expenses at pretax $ 13,000/mon enough for a retired couple like you?

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