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In theory you could easily retire at age 50 with $3 million saved
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Date: January 18th, 2026 11:43 PM Author: Jet excitant spot factory reset button especially if your house is paid off.
3m at 8% returns is $240,000/yr. |
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Date: January 18th, 2026 11:59 PM Author: startling olive wrinkle den wow so EPAH can retire with like $800K a year (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600219) |
Date: January 18th, 2026 11:59 PM Author: domesticated razzmatazz roast beef just do non-volatile guaranteed 8% inflation-adjusted returns for the next 40 years, bro. (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600221) |
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Date: January 19th, 2026 12:02 AM Author: puce misunderstood school Ok, but what about 3 to 15? At a certain amount of cash you can easily deal with the highs and the lows as long as you aren't determined to live 5 or 6 cities. (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600224) |
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Date: January 19th, 2026 12:04 AM Author: domesticated razzmatazz roast beef you mean retire with $15 million? yeah, i would agree that’s plausible. (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600227) |
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Date: January 19th, 2026 12:06 AM Author: umber parlor boistinker If you retire at 50, I probably wouldn't want to withdraw more than 2-3% per year. If you don't care about leaving money to your kids, you can reduce the risk considerable by annuitizing some or all of the money. But even a (very conservative) 2% gets you $60,000 per year. That's enough to live off of if you don't have a mortgage and live fairly frugally. (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600228) |
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Date: January 19th, 2026 12:14 AM Author: puce misunderstood school Yeah I just don't get this level of conservatism on here. Just take out whatever fucking interest you get per year. Supplement with some fucking around as a solo and social security if it is still a thing. (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600238) |
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Date: January 19th, 2026 1:59 AM Author: umber parlor boistinker If you only take out the interest you earn, then you are the mercy of fluctuating interest rates, and you lose earning power to inflation over time. Usually withdrawing 4-5% per year is safe for 30 years with a 60/40 portfolio, but you could still get into trouble if the market takes a 2008-style crash right as you retire. If I were retiring at 50, I probably wouldn't want to exceed a 3% withdrawal rate just to be safe. If you don't care about leaving money for kids, you can annuitize to make your dollars go further. (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600357) |
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Date: January 19th, 2026 2:03 AM Author: puce misunderstood school Ok, that's why you fuck around with shitlaw and cop social security. You give yourself a cushion. Leaving money to kids is a separate goal. You put them through college and see how it goes. (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600358) |
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Date: January 19th, 2026 12:03 AM Author: umber parlor boistinker Withdrawing 8% per year starting at 50 would be extremely risk. But the basic point is accurate. I should have a net worth of $3M+ in my early 50's when my mortgage and loans are paid off, and I will probably retire or switch to part-time work when that happens. (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600225) |
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Date: January 19th, 2026 12:19 AM Author: Judgmental blood rage juggernaut theres no inflation adjusted 8% lmao (http://www.autoadmit.com/thread.php?thread_id=5823764&forum_id=2...id.#49600241) |