Re: [請益] 三十出頭夫妻,3450萬可以退休嗎?
: 來美國前有四年IC設計工作經驗,若在加州工作,年薪12萬,
: 年存5萬(一家四口),是否為合理估計
不是專家,只是分享一點看法
辦得到但是要很省
- 小孩子儘量自己帶
- 只上公立小學,不考慮私立,租好學區房子會貴一點,但租比買可行很多
- 因為稅的考量,很有可能你的5萬有不小部份是在401 or IRA or HSA
也就是一樣要年老才能使用,如果完全不去想節稅,存五萬會非常困難
- 不要去想買好車或是花錢的渡假,生活一切從簡
什麼滑雪一類會花錢的東西也都避免
存五萬 一定是可能,只是那樣的生活是否值得?想過多久?
人生很多事不可能重來,30歲能做的事未必50歲能做
如果人的一生重視的是過程,不妨問問自己,你退休的目的是?(每天閒逛?)
如果日子過得開心,每年少存個二萬,多工作五年又何妨?
從你的原文我感覺到,你把現在的生活想成是在坐牢/吃苦
然後你”想像”退休後的”天堂”
另回你的原文,
你有沒考慮未來要不要幫小孩買房?存他們出留學(大學/碩士)的錢?等等
如果你完全只想自己,要你的下一代完全靠自己
很多人年輕是這樣想,等自己小孩長大開口要幫忙時,親情,總得拿老本去幫
這點錢也許你在規劃”多少錢夠退休”的時候要先想進去(離題了)
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