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cover of episode Mailbag: I’m on sabbatical and want to retire early, do I have enough money?

Mailbag: I’m on sabbatical and want to retire early, do I have enough money?

2024/11/29
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
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J
Jean Chatzky
T
Tiffany
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Jean Chatzky 指出，常见的退休储蓄目标（例如，30岁时储蓄相当于年薪的1倍，40岁时3倍，以此类推）提供了一个有用的框架，但这些目标并非放之四海而皆准。她强调，这些目标旨在在退休后替代约45%的税前收入，需要结合社保等其他收入来源共同考虑。拥有养老金可以相应降低退休储蓄目标，因为养老金可以覆盖一部分退休后的收入。最终，制定退休计划需要考虑实际生活成本，包括旅行、教育等额外支出。如果退休生活成本高于预期，则需要增加储蓄或延后退休时间。 Tiffany 则表达了对退休储蓄目标具体定义的疑问，包括时间点、工资基数以及养老金和社保是否包含在内。通过与 Jean Chatzky 的对话，Tiffany 意识到需要仔细分析当前支出，区分必要支出和非必要支出，并控制非必要支出。她计划通过减少不必要开支、寻找更低价的替代品以及考虑兼职工作来调整退休计划，以应对实际生活成本高于预期的状况。

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Chapters
Jean Chatzky explains the retirement benchmarks and their purpose, addressing listener questions about how pensions, early retirement, and Social Security factor into these benchmarks.
  • Retirement benchmarks aim to save enough money to last 30 years in retirement.
  • Benchmarks include saving one times your salary by age 30, three times by age 40, six times by age 50, eight times by age 60, and ten times by the time you retire.
  • These benchmarks replace about 45% of preretirement income, combined with Social Security to reach 75-88% replacement.

Shownotes Transcript

Today we are bringing you a mailbag question about retirement benchmarks, you know the ones: You want to aim to have one times your salary by age 30, three times by age 40, six times by age 50, eight times by age 60, and 10 times by the time you retire. These benchmarks are fabulous, but they're also not personal. 

Listener Tiffany joins us to ask how pensions, retiring early, and Social Security factor into these benchmarks. 

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