은퇴 자금으로 백만 달러면 충분할까요?

### 은퇴 자금으로 백만 달러면 충분할까요?
* 💰 많은 사람들이 백만장자가 되기를 꿈꾸지만, 인플레이션과 인출률을 고려할 때 **백만 달러가 은퇴 자금으로 충분한가 하는 의문**이 남습니다.
* 📉 표준 4%의 인출 이자율을 적용하면 **100만 달러 포트폴리오의 연간 수익은 약 4만 달러**로, 특히 인플레이션으로 인해 시간이 지남에 따라 구매력이 약화되기 때문에 모든 사람에게 충분하지 않을 수 있습니다.
* 🔍 예를 들어 **55세의 백만 달러는 은퇴 연령이 되면 약 74만 4천 달러의 가치**에 불과하지만, **25세의 백만 달러는 65세가 되면 현재 달러로 약 33만 6천 달러**에 해당합니다.
* 💡 **100만 달러 달성**은 더 큰 부를 축적할 수 있는 토대를 마련했다는 점에서 의미가 있으며, **100만 달러는 여전히 재무 계획에 있어 상당한 이정표**입니다.
* 📊 재정적 독립을 목표로 하는 25세의 경우, 은퇴 전 소득의 80%를 대체하려면 **65세까지 약 570만 달러가 필요**하며, 이는 현재 **약 13만 달러의 시작 저축 목표**가 됩니다.
* 💸 35세가 편안한 은퇴를 원한다면 **65세까지 약 480만 달러의 포트폴리오**를 목표로 해야 하며, 그 나이까지 **약 38만 2,000달러를 저축**해야 합니다.
* 🏦 40대의 경우 **100만 달러를 모으는 것이 현실적**이지만, 편안한 은퇴 생활을 유지하려면 **65세까지 약 450만 달러로 늘려야 할 수도 있음**니다.
* 📈 궁극적으로 **백만 달러는 칭찬할 만한 성과**이지만, 개인은 편안한 노후를 위해 개인의 재정 목표, 인플레이션, 지속적인 저축의 필요성 등을 고려해야 합니다.

특히 인플레이션과 미래의 소득 수요를 고려하면 백만 달러로는 은퇴 자금으로 충분하지 않을 수 있습니다.

Here's a big question: is a million dollars enough? [Music] Brian, I am so excited to talk about this because everyone always aspires to be a millionaire; they want to hit that magical seven-figure status. But the question that everyone has, and a lot

of the trolls in the comments will say to us, is: 'A million dollars is not enough!' Or, 'Why would you even set your sights on a million dollars? That just isn't going to get the job done.' I get it; inflation...

and even if you put withdrawal rates on there—if you do, like, a safe withdrawal rate—I mean, depending on how aggressive you want to be, if you use what's considered an industry standard of around 4%, yeah, maybe a million dollars...

we need to visit that. Yeah, at a 4% withdrawal rate, a million-dollar portfolio could cash flow you $40,000 a year, increasing with inflation. And so the question becomes, 'Well, if I can't live off of $40,000 a year, is that enough?' And even more so,

depending on my age, if a million dollars isn't enough right now, will it even be close to being enough when I get to retirement? We thought it'd be interesting to just show you an exercise of how inflation can erode the value of your dollars through time. I mean, obviously,

for a 65-year-old retiring today, a million dollars is worth a million dollars. But for a 55-year-old, by the time they get to retirement age at 65, a million dollars at that time would only be the equivalent of about $744,000 in today's purchasing power.

dollars and age 45. By the time they get to 65, a million dollars will only be worth a little bit more than $550,000. If you come all the way down to a 25-year-old, by the time a 25-year-old gets

all the way to retirement at age 65, 40 years in the future, a million dollars then would be the equivalent of about $336,000 today. Now, I do want to hit the pause button. I love that we're giving the trolls—they're loving this; they're

like, 'Preach, preach, preach!' But let's hit pause. I still want people to know I have content out there that talks about the value and how hard it is to reach that first $100,000, and that's an achievement in itself because you start building your

army of dollar bills; it starts building upon itself. Let me just tell you, a million dollars is still an incredible achievement, and there's a reason we even did a content—a show—on the milestones you should be trying to reach, and we still kept a million dollars because you

know what doesn't happen without your first million? You don't get to 3 million; you don't get to 5 million without crossing that seven figures. So don't let some troll out there—even the way we've set this up so far—tell you, 'Hey, that's

just a million dollars.'  Just a lot of money? No, it's still a ton of money. We're just going to tell you—let's answer the questions. We have some key questions that I think we should challenge: What is a million dollars? How can it help you?

Let's go into detail on what we want to cover today. Yeah, and I think mutants intuitively get this; you kind of understand this, but a lot of you still have the goal of, 'Hey, I want to hit million-dollar status by age 55, or by 45,'

or by even maybe early on at 35. So, like you said, Brown, we're going to answer some questions: One, if you have a million dollars now, today, are you at the stage where you could take your foot off the gas? Yes. Uh, how about this: If not a

million dollars, if that's not enough, how much do I need in order to be able to retire comfortably when I get to retirement age? Or, if you don't have enough now, what steps do you need to be taking, or how much should you be saving

in order to be able to get there? And so we want to be able to quantify and specify that for you so that wherever you are in your financial journey, you'll understand your path forward. So, for every decade—20s, 30s, 40s, even 50s—we're

going to answer these three questions. I've got to tell you, when we were doing our content meeting, I was just like, 'I can't wait to do this show,' because this is going to answer all of you financial mutants. I want you to strap in; we're

going to load you up, and we're going to look at this in angles that I haven't seen anybody else cover, so I'm kind of excited to hit these. So let's jump right into your 20s. I mean, the 20s is an

Exciting decade because you are young and ambitious, and you have your entire life ahead of you. So what if you happen to be a 25-year-old who all of a sudden had $1 million? First of all, even though we live in this social media world where...

everyone believes that your neighbors make a million dollars a year—if they don't make a million, they make half a million dollars a year—it's just not reality. I want you guys to...

I've got to think it is a rounding error of data on how many 25-year-olds have a million dollars, but we love numbers. We love "what ifs," and we said, "Let's go with it. Let's actually daydream: What is it like for a 25-year-old to have a million dollars at age 25? What does that mean? So...

without doing anything else, if you just had a million dollars today at age 25 and you could earn an annualized 9.5% rate of return between now and the time you get to retirement, by the time you get to age 65, that million dollars could...

have grown into $44 million. But I know what you trolls are out there saying: "Well, $44 million then? What about inflation? We've got to factor that in." Well, even factoring in inflation, do you recognize that at that stage of life, $44 million then would...

feel like $135 million today? That's still a lot of money. I think you could do okay on that, right? If we were again to apply just a safe withdrawal rate to that, that means at age 65, this portfolio could provide for you about $540,000 in annual cash flow.

in today's dollars. So if you are a 25-year-old and you have a million dollars banked right now, yeah, you know what? You're you're on easy street now, right? That's this is a fun exercise; it was a fun thought exercise, but like we

said, that's a rounding error. There's just not a lot of 25-year-olds. If you're out there, you're welcome to reach out to us, but let's let's actually bring this back now. If we've told people, well, 25,

if you had a million dollars, you couldn't quit working, though, even though it's powerful as that. You, you assumed on this; there's a key assumption: a 25-year-old has a million dollars, doesn't need the money until they turn 65, and we just let it grow. But the

reality is somebody might come to it and say, "I'm 25; I want to quit working." That doesn't really work. What does somebody need to be doing if they actually want to be successful? So let's think through this in sort of a case study

format. Let's say that you're 25 years old, and what we did is we said that the median income for our financial mutant—we pulled this from our financial mutant survey—median income for folks in their 20s was somewhere between $50,000 and $100,000 of annual income, so we just

went right in the middle and said, let's assume that at 25 your income is $75,000, and let's assume that over your working career you have a 3% pay raise each year on average. You are going to be an aggressive investor because you're

Starting so early, let's assume you can make 95% on your investments. Then, when you reach retirement at age 65, we'll use a 4% safe withdrawal rate to determine how much you can count on that portfolio.

Providing us with our goal for financial independence, we'll say we want to replace 80% of our pre-retirement income. Now, before you get to retirement, we recognize that it's not income you're trying to replace; it's expenses.

We understand that's how you plan. However, for someone who's 25, they don't know what their expenses will be. So, the best metric for this exercise is to replace 80% of

your pre-retirement income. Let's see how the numbers play out. At age 25, you start with an income of $88,750.  Because of inflationary pressures and pay raises at the rate of inflation each

year, by the time you reach age 65, your terminal working income is about $285,000 a year—pretty respectable. So, if you aim for a portfolio with an 80% replacement ratio of that income,

you would need a portfolio of about $5.7 million by age 65. For a 25-year-old, that's the number you're aiming for. Okay, that number...

The way because if we think about this from an inflation perspective, that doesn't even seem that crazy to me. Because if I had to say what a million dollars meant when I was in the mid-90s, when I looked at a million dollars, I would say right now it's probably somewhere

between $2.25 and $3 million. Is that because of what's happened with inflation in the 30-plus years that I've been out? So this makes sense. That probably in the future, for a 25-year-old, $5.7

million... but what would they need to have today? Because look, for a 25-year-old, you've got 40 years for your money to grow. And I know the power of compounding growth is just exponential, so I bet this number is more digestible than people

probably think. And before we even go there, I want to normalize it because 5.7 sounds like a lot of money, and it is, but this is 40 years in the future. So just to sort of level-set what this means is when you're drawing that 80% of

your pre-retirement income, it's going to be the equivalent purchasing power of $70,000 in today's dollars. So I just want to say we're not talking about like crazy, crazy out-there assumptions; this is a very realistic assumption—a portfolio that would generate $70,000

in today's dollars. So the question you ask is: if I'm 25 and I want to get to $5.7 million by the time I retire, how much would I need saved today? $130,000. Okay, that, by the way—that's still... we had a Q&A show that we recorded...

Early this morning, a 27-year-old couple had a little over $100,000. I was like, "Man, that's incredible!" So, even that's a lot of money. I think the reality is that even most 25-year-olds...

being very self-reflective and transparent, I didn't have $129,000 when I was 25, and I think that will probably be the majority of our audience. So, what is their savings rate? Because I always tell people in the beginning, your savings rate is even more

important than even what you get in rate of return on investments. So, what's the savings rate that would help a 25-year-old? Because they're billionaires of time; they probably can get away with a lot for a little. They certainly can if you

start at zero and your goal is to be able to get to $5.7 million by the time you get to 65, your savings rate throughout your entire working career would need to be about 99.6%. You notice we didn't say

25%, which is what we aspire to; that's what we want you saving because you're starting so early. So, what this means is that in year one, you'd be saving about $700 a month, and then every year as your income increased, you would keep your

savings percentage static at 99.6%. So, for my 25-year-olds, this should get you excited. You should recognize that the future is yours if you can just start saving and putting something away today. Well, I love this number because 10% is very doable. Um, a lot of times...

When you think about it, especially if you have employer matching with your retirement plans and other things, and your income... you've got this knocked out, you're going to hit 10%. But I do want to caution you because a lot of you are going to feel like you've got to get out of jail

free card. It's not 25% like we talk about for all the other decades. Well, that's because I recognize that in your 20s, it's aspirational; you just don't have... you're not in your peak earning years yet. Life is expensive; money's hard to

come by. But do not sleep on this. As you start getting pay raises, I do want you to aspire to and even make movement towards that 25%, because guess what it'll do for you? Every assumption we've got here is that you're working until

you're age 65. If you can actually get aggressive with that savings rate at a young age, guess what you get? You get the option, the flexibility to do things on your terms. And maybe that retirement date, instead of being 65, maybe it's 55,

maybe it's 50. You get to choose your own adventure by investing more earlier. Give yourself that type of flexibility and own your time that much sooner. I love it. All right, Bran. So 25% is a pretty hard charge to hit a million, but maybe you're

someone who is very ambitious. You say, 'You know what? I have a goal. I want to hit $1 million of liquid wealth by the time that I get to 35.' Now, that's still going to be very, very difficult to do, but not outside the realm of possibility.

So, if I do that, what do the numbers look like? Well, if you have a million dollars invested at age 35 and you can earn 8.5% annualized over the course of your working career, that million dollars, without adding another dollar to it, has

the potential to grow to almost $12.7 million by the time you reach retirement age. But we know that $12.7 million then won't be worth the same as it is now. So, if we account for inflation, that means your portfolio would be the

equivalent of about $5.2 million in today's dollars. Man, it is amazing! As we go through these decades, it... it is... I keep saying that $3 to $5 million really is the key number that I think a

lot of people are aspiring to. And I'm noticing a trend here. Just like... I mean, yes, the $13 million is big, but if you... that's... that's future dollars. You can't really pay attention to that because numbers do crazy things when

you get to exponential growth and you've got decades of growth. But if you bring it back to what a person would need in today's purchasing power, I think $5 million for a 35-year-old to know they have 30 years to get there... I bet this is going to feel

a little more doable than most people even realize.

Yeah. What's wild is if we just applied, you know, a 4% withdrawal rate to that $5.2 million at age 65, that could provide you with $208,000 a year in today's dollars.

Talking about a very healthy retirement lifestyle, a very healthy cash flow in retirement. That's if you can get to a million dollars by the age of 35. Most Millennial financial mutants—by the way, a lot of you work with us and

we are just so thankful to have you—but I still want to put it under the lens of myself. You guys know I had several goals: I wanted to make six figures by the time I was 30, and I wanted to be liquid—seven figures liquid—by the time I

was 40. I didn't reach the 40 number. I'm just being honest with you guys. I did have a net worth over seven figures, but if I was looking at just retirement assets, investment assets, I didn't reach that goal. So I still

think this is very aspirational. Not many 35-year-olds have a million dollars, so we need to show them what it looks like if you really are trying to figure out what you need if it's not a million dollars. So again, let's look at a very

similar case; let's say that you're 35 years old, let's say you're now at this part of your career making $100,000 a year. We're again going to assume that your salary increases on average about 3% per year to keep up with inflation,

we're going to assume your rate of return is 8.5% between now and retirement. We're going to use a 4% safe withdrawal rate when you get to age 65, and again our goal is going to be an income replacement of 80% of your

pre-retirement income because we don't know what your expenses are going to be. There's still so much life to happen, so we're going to shoot for a high income replacement ratio.  What this means is that if at age 35 your income is $100,000, by the time you

get to age 65, your income will have grown to be about $243,000 a year. Again, our goal is going to be able to replace 80% of this number. So, in order to do that, by the time this 35-year-old gets to age 65, they

will need to have accumulated a portfolio worth about $4.8 million. It is amazing how it comes back to—it really does. And what I like is, like I said, we have 30 years for somebody who's 35 right now watching

this and say, 'Well, what would I need to be at right now because I don't have a million dollars?' You—you guys showed that a million dollars at 35, but that's still so aspirational, that's such a hard goal to reach. What would somebody who's

actually really been trying hard, been saving, been prioritizing saving for the future—what would it take right now at 35 without another dollar to get there? If you, at 35, have saved and invested $382,000, without saving another dollar, without putting any more into the pot,

that $382,000, if it can grow at 8.5% annualized, has the potential to turn into $4.8 million by the time that you get to age 65. $382,000—again, still difficult, but not impossible by the time

that you get to age 35, but don't worry if you've just started watching this, because I realize there's a lot of research and it depends on what year I pull the data from. For a few years, the data was around age 33, but I think most recently,

and it's probably because of some inflation and the cost of living, it has been age 36 for a lot of people that they actually discover investing somewhere in their mid-30s. So a lot of you are probably just now finding the Money Guy Show, and you're saying, "Hey, I want to turn on the ability for my army of dollar bills to work harder than I can with my brain, my back, my hands. How do I do this? And where do I start?"

or, give—we've done the research for you. Even if you're starting at zero right now and you're age 35, you can still reach these goals with what savings rate? If you can save 24.1% of your gross income and you can stick to that savings percentage for

your entire working career, even starting at 35, you still have the ability to build a portfolio worth $4.8 million by the time that you get to age 65. Now, I think this is where hopefully you guys are starting to see that there's

something beyond—beyond just us trying to motivate you. We're actually pretty nerdy; we've put the math behind it. That 25% savings rate that we tell you guys—by the way, if you make under $200,000 as a married couple, $100,000 as a single

Individuals, you get to count your employer match in that number. Um, you can quickly see that it's tied to numbers; it's tied to the math. That's why I also encourage you to go to money.com.  We have a resource: 'What will 25% do for you?' and it

is a very powerful tool because maybe you're not perfectly 35; maybe you're 32, maybe you're 41. Go check out that resource so you can kind of figure out what savings rate, your age, and the power of time can do for you. Again, for someone

at 35, they have a $100,000 income. This means that in the first year they're saving about $2,000 a month, and then that number increases as their salary goes up through time. Again, that's basically maxing out your 401(k); that

would be the equivalent of someone doing that. So if you can do that, even starting at 35, you can set your future financial self up for success. And that's why we tell you to shoot for 25%, because there's a really good chance for folks

that are in their 20s and their 30s: a lot of life hasn't happened for you yet. You may be in the messy middle or about to go into the messy middle. You don't know what your future health is going to look like, your lifestyle, your income,

your career, your location. So if you can start early and if you can save consistently, there's a really good chance that when those unknown unknowns come your way, and you've done the hard work early on, you will be able to push through that and still reach the

financial goals you have as your life begins to take shape, but I also want to take the coach's power here and tell you to stay motivated.  The fact is, I know in the messy middle there are a lot of chances when you're short on

time, you're short on money, you've got the kids, you've got your career obligations—all these things are pushing hard on you. It's easy to say, "I need relief and I'll just take this period of time off and come back later." Don't do it! I

make really hard decisions on how you live your life, where you live, what type of car you drive, because you'll never, ever, ever get those 30s back. You can't get your 20s back; you'll never be able to get your 30s back. Don't sleep on

this very important time, because the wealth multiplier of what every dollar has the potential to become is still super strong in your 30s. All right, Bri, let's now talk about the 40s. A lot of folks—a lot of folks have said, "You know what, by

the time I get into my 40s, I want to be a liquid millionaire." I mean, this was even one of your goals that you laid out, and we know studies have shown that most people cross seven-figure status somewhere in their late 40s. So I think

this is, in reality, a realistic option for folks in their 40s to get to a million dollars. So the question becomes, is it enough? Yeah, I was pretty excited about getting to my 40s because it's—it's kind of like when I...

I love "The Millionaire Next Door," but when you see the book's whole wealth calculation or what your net worth should be, I've always said it's not really fair for a 20-something or 30-something to use that millionaire calculation. That's just not the reality of where people are at that age.

When we've done this for 20-somethings and 30-somethings, it was definitely more aspirational—shooting for the moon, more like what you'd see on Instagram than what you'd see on the "Money Guys" show. But now that we're in the 40s, I think this is the decade where you can realistically expect to see seven-figure status.

I don't think this number is going to be as crazy as, like, the 20-something's number—close to $4 million. In your 40s, you'll see it's a lot different. If you've been able to accumulate a million dollars by the time you get to 45 and you can earn a 7.5% return on your investments for the rest of your career...

...that million dollars, without adding another dollar to it, has the ability to turn into almost $4.5 million. Just so you know, $4.5 million 20 years in the future will feel equivalent to $2.5 million today. And $2.5 million today is still a very healthy retirement portfolio.

If we applied a 4% withdrawal rate to that sum of money, this means you could count on a healthy cash flow.

Flow from your portfolio of just under $100,000 a year in today's dollars. You remember how, earlier, when I was—I can't remember, it was in the 20s or 30s—I was talking about that when I graduated college in the mid-90s and I

read *The Millionaire Next Door*. The whole goal of a million dollars was just so powerful to me, but now I feel like it's changed a little bit. It's somewhere between $2 and $2.5 million to probably $3 and $3.5 million, and I think it's very telling

that right now, if you do—if you've reached this at age 45 and did absolutely nothing else—you're going to have the equivalent of that $2.5 million, or $100,000 a year for the rest of your life. That's pretty successful. So, but

let's say that you don't want to just stop now. You say, 'Okay, I want not just a general plan that tells me a general idea; I want something a little more specialized.' Let's look at a case study. Let's assume that you are 45 years

Retiring With $1,000,000 By Age

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백만 달러면 충분할까요? 질문과 그 관련성에 대한 초기 논의.

백만장자가 되고자 하는 열망을 고려할 때 백만 달러로 충분한지에 대한 질문이 제기됩니다.

인플레이션으로 인해 백만 달러가 부족하다는 반론에 대해 설명합니다.

100만 달러 포트폴리오에서 4%의 인출률을 적용하면 연간 4만 달러의 수익이 발생하므로 생활비로 충분할지 의문이 생깁니다.

나이와 인플레이션이 백만 달러의 미래 가치에 미치는 영향이 강조됩니다.

시간이 지남에 따라 인플레이션이 백만 달러의 구매력에 미치는 영향을 보여주는 연습이 제안됩니다.

마일스톤으로서 백만 달러 달성의 중요성.

첫 10만 달러 달성의 중요성과 더 큰 재정적 성공을 위한 디딤돌로서 100만 달러 달성의 중요성이 강조됩니다.

백만 달러는 여전히 놀라운 성과로 여겨지며, 더 많은 부를 축적할 수 있는 기반이 됩니다.

부정적인 댓글에 낙담하지 말고 백만 달러의 중요한 가치에 집중하는 것이 중요하다고 강조합니다.

다양한 연령과 삶의 단계에 따른 백만 달러의 가치를 분석합니다.

토론은 다양한 연령과 재정 목표에 따른 백만 달러의 가치를 분석하는 것으로 옮겨갑니다.

다양한 연령대의 은퇴 자금으로 백만 달러가 충분한지에 대한 질문이 해결됩니다.

이 토론에서는 연령대별로 재정적 독립을 달성하기 위해 필요한 단계와 저축 금액을 다룹니다.

이 분석은 재무 여정의 다양한 단계에 있는 개인이 앞으로 나아가야 할 길을 정량화하고 구체화합니다.

사례 연구: 백만 달러의 자산을 보유한 25세

25세 청년이 백만 달러를 소유하고 있다는 가상의 시나리오가 제시됩니다.

연간 수익률이 9.5%라면 인플레이션을 고려하더라도 100만 달러는 65세까지 4,400만 달러로 늘어날 수 있습니다.

이 포트폴리오에서 4%의 인출률을 적용하면 연간 현금 흐름이 54만 달러가 됩니다.

25세 청년이 백만 달러를 모으는 것은 비현실적이라는 사실을 인정하고 현실적인 저축 전략으로 초점을 옮겼습니다.

재정적 독립을 목표로 하는 25세의 현실적인 저축 계획.

사례 연구에서는 연 소득이 75,000달러인 25세의 은퇴 시 소득 대체율 80%를 목표로 하는 현실적인 저축 계획을 설명합니다.

미래 지출의 불확실성을 고려하여 은퇴 전 소득의 80%를 대체하는 것이 목표입니다.

65세까지 예상되는 소득은 285,000달러이며, 80% 대체를 위해 570만 달러의 포트폴리오가 필요합니다.

시간이 지남에 따라 인플레이션이 백만 달러의 가치에 미치는 영향에 대한 관점을 논의합니다.

65세까지 570만 달러에 도달하려면 25세의 경우 현재 약 13만 달러를 저축해야 하며, 99.6%의 저축률이 필요합니다.

사례 연구: 35세까지 백만 달러를 목표로 합니다.

35세까지 100만 달러의 유동 자산을 목표로 하는 시나리오를 살펴봅니다.

연 8.5%의 수익률로 35세에 100만 달러를 모으면 65세에는 현재 달러로 약 520만 달러에 해당하는 1,270만 달러로 늘어날 수 있습니다.

65세에 520만 달러에 4%의 인출률을 적용하면 연간 약 208,000달러의 수익을 얻을 수 있습니다.

발표자들은 자신의 개인적인 경험과 목표를 공유하며 이러한 목표의 포부를 강조합니다.

사례 연구: 35세를 위한 현실적인 저축 계획

사례 연구에서는 재정적 독립을 목표로 하는 35세의 현실적인 저축 계획을 분석합니다.

소득이 10만 달러인 35세의 경우 65세까지 약 480만 달러를 모아야 은퇴 전 소득의 80%를 대체할 수 있습니다.

65세까지 480만 달러에 도달하려면 35세의 경우 현재 약 382,000달러를 저축해야 합니다.

35세부터 0으로 시작하여 65세까지 480만 달러에 도달하려면 24.1%의 저축률이 필요합니다.

사례 연구: 45세까지 백만 달러를 목표로 합니다.

이제 45세까지 백만 달러를 목표로 하는 개인으로 논의의 주제가 옮겨갑니다.

45세에 100만 달러를 모으면 65세에는 거의 450만 달러(현재 250만 달러에 해당)로 증가하여 건강한 은퇴 소득을 확보할 수 있습니다.

소득이 $125,000인 45세의 경우 80%의 소득 대체를 위해서는 65세까지 약 450만 달러가 필요합니다.

이를 달성하려면 45세의 경우 현재 약 1,122,000달러를 저축해야 하며, 0에서 시작하는 경우 57%의 저축률이 필요합니다.

기존 저축액이 있거나 소득이 높은 분들을 위해 저축률이 더 높은 대체 시나리오가 제시됩니다.

사례 연구: 백만 달러의 자산을 보유한 55세

시나리오는 백만 달러를 가진 55세 남성으로 바뀝니다.

55세에 100만 달러가 65세에는 190만 달러(현재 140만 달러에 해당)로 두 배 가까이 증가하여 연간 약 5만 7,000달러의 수익을 올릴 수 있습니다.

소득이 15만 달러인 55세의 경우 80%의 소득 대체를 위해 65세까지 약 400만 달러가 필요하며, 55세에는 약 210만 달러가 필요합니다.

중요한 이정표에 도달한 후에도 지속적인 저축의 중요성이 강조됩니다.

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