❓How much money do you really need to retire?

- A question everyone asks, yet few truly understand. 💸

💠I’ve spent a lot of time digging into this - partly for personal reasons, partly because I keep seeing wild takes on X.

First off, retirement doesn’t mean you’ll never make money again.

It’s not about quitting work entirely, but about no longer being forced to work for money.

When you’ve got liquid assets, your money can keep working for you.

The number you need depends on your lifestyle, where you live, and how much you spend.

According to the classic Trinity Study, if you invest your wealth and withdraw 4% per year, there’s a very low chance you’ll run out of money- even after 30 years.

In fact, your portfolio might even grow.

So if you’ve got $1M, withdrawing $40K/year (about $3.3K/month) can sustain you comfortably.

In today’s world, you just need to stay flexible-withdraw a bit less when markets are down, a bit more when things are good.

That small adjustment makes the 4% rule nearly bulletproof.

For longer timelines, 3–3.5% is even safer.

And remember: “retirement” doesn’t mean “no income.”
It means freedom-the ability to work because you want to, not because you have to.

>The formula’s simple: take your annual spending and divide by 0.04-that’s your number.

If you want to live on $50K/year, you’ll need about $1.25M.

Of course, taxes may trim your real withdrawal rate to 3–3.5%.

Sure, crypto believers might say fiat will crash and USD will die, but history shows even during insane inflation, traditional assets held real value.

💠Keep stacking crypto if you want, just don’t ignore the long-term data.

Ultimately, where you live matters too: $50K/year could mean beachside comfort in Southern Europe 🌴 but barely rent in New York.

And at the end of the day, happiness doesn’t come from having the most money,it comes from having the freedom to choose how you spend your time.

😁For me, it’s sunshine, the sea, doing what I love, surrounded by people I care about, and being free enough to just be myself. ☀️

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