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June 13, 2017


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Thanks for sharing. Good summary. I'd say the most often cited is the 4% SWR. Which I relatively agree with. I'm a bigger fan of VWR. I'm planning on hitting $250MM in my lifetime, and I don't plan on retiring. I'm big on FI, but not RE. I enjoy working.

I agree with your real estate comment, Mr. FMF. It makes a lot more sense to diversify and earn a higher rate of return with your retirement dollars if you're pretty confident you can do so. We're planning to spend about $75K per year and are also planning to do so way before 65, but are shooting for "only" $2M. I can't imagine a scenario where we don't earn at least some money doing something in retirement. So this article feels unnecessarily conservative in a lot of ways.

I mean, I do see how they wanted to make these estimations based on conservative portfolios--it's a better average.

This chart seems fair for a conservative general public estimate. Since it does not factor income earned from any investments, I would not rely on it more than a general guideline. There are many free financial retirement calculators available for a more accurate personalized projection. I also agree that an 80/20 split is better.

This makes a lot of sense. I have decided I need $36k per year to retire comfortably, I only need $20k if I consider my part-time side income streams. This means I can retire with $250k - $450k at essentially any age.

Real estate investments will make up at least 50% of this investment.

These are good numbers that help most of us that when asked how much we need for retirement just say millions. I am glad you noted that this does not include investment income. I think if you were to include that, and I know its hard to factor that in, I think with a frugal lifestyle one could retire with less than 1 million. Also note that if you are earning less income you may qualify for subsided healthcare and can move to a lower cost of living region than you may live now while working.

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