I want to retire
What is the absolute minimum amount of money you need saved to move to the woods of Wyoming and retire.
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RNW = Retirement net worth
ME = Monthly spending in retirement
T = Retirement tax rate
SWR = Safe withdrawal rate (usually 4% but if retiring early probably 3.5%)
RA = Retirement age
CA = Current age
CNW = Current net worth required to retire today
RNW = ((ME * 12) / (1-T)) / SWR
CNW = RNW / ((1 + 7%) ^ (RA - CA))
Once your CNW today matches what the formulas spit out, you've funded your retirement.
Dude just say (yearly post tax spend)/(withdrawal rate*1.07^(years to retirement)). Whats with all these fucking variables
Don't we all. The traditional rule of thumb is that if your annual living expenses are no more than 4% of your assets, then your assets should last 30+ years. I would personally take a slightly more conservative approach and use a 3.5% withdrawal rate. So if you can live off of $35k - $40k/year, then you need around $1MM to retire. If you can live off of $10k/year then you can theoretically retire with $250k.
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