), Our current amount saved isnt enough to buy a house and have one of us have a job where we would want to live. It is a competition a game. Our yearly expenses are between $100,000-$150,000 depending on what type of . Thanks for stopping by and giving us and update. Kids arent that expensive if youre a little frugal. Also consider the rate of compounding interest, one more million grows quick when youre already at 5. One thing you cant buy no matter how much wealth you accumulate is time. But you do not have to stop earning income on your retirement. Could you do that with $5 million? Yes, we still have a mortgage. Including myself, it is insane how spoiled we are in the US. Diapers can be expensive, but thats a narrow age window. According to our research findings, Mr. Bobbins should have a net worth. Given the above information, what is theinterest on 5 million dollars annually? Now, imagine if we included people from China, Africa, or say Mexico into this conversation. I just voted for $2 million (excluding the apartment I live in) based on my expenses Im sure that would work, and I seem to spend more than many FIRE people. Dont want to suffer through life on just $100k? You had some great adventures. You should check the Income events, spending goals, and other assumptions. Unfortunately people think financial freedom means spending money without any focus which means then you need to be filthy rich. More privacy info here. Thats really nice. I really respect and am intrigued by those who work for themselves blogging. Social Security (Spouse): $25,000/year at 67. If it is there, it will cover our living expenses and we will blow the dividends while moving as much as possible over to our Roth accounts for our heirs and charities. (Note that that puts you in the mentally-odd posture of rooting for a downturn, to hold down the cost of converting.) I did a little internet research and it seems people who reached pentamillionaire status arent quite as ready for retirement as youd think. So, down the road we might live 1-3 months in the Carribean, or Southeast Asia for the winter. And, Social Security is not taxable in Oregon. When creating content, we adhere to high editorial standards to make sure the information presented remains objective. I also ran this scenario through FireCalc and other retirement calculators. The normal 4% rule has one potential problem: people can panic and sell during market downturn. Ill have to add that to the spreadsheet after retirement. Travel didnt change much because our kid is in school. Im really surprised at the poll answers, 39% of peoples need 5+ million to retire? If anything, I assume wed want to do more of those things if we both retired early. Having a net worth of 5 million will provide you a carefree life, but not the crazy luxuries of the rich and famous. Youre welcome! And why not? As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Investors with $5 million or more in liquid investment assets can learn about our approach to asset management in our book. The other concept that I think useful is your FI ratio (expense/passive income). We both have served 20 years in the military and are retirement eligible. I have clothes from 1993 that are fine. Some comments regarding the expenses list. Greed is never a good thing. One million people with NW above $5M? By purchasing the bond, the investor is lending money to the cooperation that has issued the bond. Were no fans of the 4% withdrawal rate due to expensive equity valuations and low bond yields. $5M would definitely be better. That or our readers are more well off than I thought. True, it is only a projection but it is considering and quantifying uncertainty and gives you a pretty good idea regarding with-drawl sequence risk. Los Angeles-based cat Nala, who has 4.5 million Instagram followers, TikToker of the Year, and a net worth of $100 million. Id personally change nothing in my day-to-day life. One professional and one non-professional is also possible. Its just a ballpark figure. Elon Musks Hourly Pay: How Much Money Does Elon Musk Have? What do you do with it? It sounds like you have a very comfortable lifestyle. . I dont want to spoil this entire article, but lets just say you cant do allthose things. Until you stop working, reinvest all of the dividends. For example, $2100 a month on food for three is $70 a day. I read some discussions in various forums and people hesitate to retire even when their expenses are under control. Youd need to keep working until you die to live that lifestyle. So we want to have enough money to keep making money if that makes any sense. Using the4% safe withdrawal rate as a guideline, the annual income will be around $200,000. Its easy to come up with lots of what-if scenarios that require ever-lower withdraw rates. Cant they make a living some other way? In a January telephone survey of 253 people with at least $500,000, 45 percent said it takes at least $5 million to qualify as rich. Maybe I need to see a shrink. Probably not. Okay, thats enough about rich people and their first world problems. You can purchase treasury bonds for a term of 20 or 30 years. They're also reviewed by experts in banking, finance, insurance, and others before publication and upon significant updates. Thats insane. It doesnt take $5,000,000, or $500,000 to live an extraordinary life. Explore our ultimate bucket list and discover the unique things to do before you die. Is it so expensive to live in the states? You are doing very well. Our FIRE number would be $3 million. We left our corporate jobs at 51, not based on a magic number, but when we felt it was best on balance for us. I think $5M is more than enough to retire. When your dividends grow to reach your expenses, you are ready to retire. According to a report by investment bank UBS, only 28% of people with $1 million to $5 million in assets considered themselves wealthy. If youre invested in the market, there are unknowns about if/when the market could drop 40% putting you in a situation of needing to rebuild that over several years. Can you retire with 5 million dollars? Good luck! And 5 million would be more than enough! If we had $5 million with our future planswed be traveling the world right now! Its being content and knowing when enough is enough. *Sign up with Personal Capital if you dont have an account yet. Youre either stupid, wasteful, or have a problem worse than an alcoholic. Figure out what is enough is the hard part. Made our series of stupid moves like building a 3000 square foot dream house on three acres in Oregon as part of the process. It's not fair to characterize Cage as "broke" he's still a bankable movie star but his net worth is reportedly only about $25 million. I am due a Fire Dept pension from a large East Coast Fire Department in a large, populous, growing county in about 17 more years. $6,000 per year on clothes sounds way too high for me too. If nothing goes wrong, we hope well get there in early 2018. First, as others have pointed out, most people who earn enough to amass a net worth of over $3M probably live in an area with a high cost of living. 3% withdrawal rate is great! Rather than accumulating $5mil or some number, the people I envy are people who love their work. It is tough to find your enough spot. Pages on LifeAndMyFinances may contain affiliate links to products for which we receive a commission when a user makes a purchase. I have a feeling youre right about that. $5M! I guess for some people money wont never ever be quite enough. In fact, early retirement has had the opposite effect, it has given me more time to think and made me more thoughtful/conscientious in my spending. Not sure how solid the study is, but it sounds good. This free tool is for you. American people have a consumerism problem compared to the rest of the world. So, now you know you have earned more than $5M. Were probably near the $3M range, but at 55 its debatable if thats enough, and healthcare is the biggest unknown. Im sure most people can make do with $1M + social security. At this level of expense, this family will need at least $5 million to retire. With the help of ESI Money, we found a group of actual people that have a net worth of $5 million dollars. Having done things both ways, I can honestly say we dont miss the baller life at all. If we had $1M I would snap your hand off that would easily be enough to live on, in Australia. Most of these readers must be young people (under 35) that still have dreams of living like a rock star. I am 43 now and live a somewhat frugal lifestyle. Thats what Im doing and its working out really well. However, you have to invest and spend wisely to make the money last. I agree with you it boils down to expense rates. Those that are younger and pay a lower price may want to keep in mind that healthcare expenses only go up as you get older, at least until Medicare can kick in. I can say theres always someone else who has more. In addition, our mortgage will be paid off. We have few friends. The Retirement Planner is a fantastic tool that use your real data to help you plan for retirement. With only $55,000 in annual expenses, you are doing a pretty good job. Good luck! Dont run out of money and find yourselves a burden to your childrens finances or looking for a job at 80, be the grandpa who retird at 40 only to drain your kids savings your legacy will be selfishness. Whats your target? They are rarer these days so thats probably why we dont see many articles about them. Anyhow, at least the housing cost will be cut to the bare minimum to taxes and utilities. Very-high-net-worth individuals have a net worth of at least $5 million, while ultra-high-net-worth individuals are worth at least $30 million. Were thinking about leasing a place in Hawaii or New York or London for a few months and trying to decide what we want to focus on in the coming years. People could move to a more moderate cost of living area. I am planning as if it will not be there when I retire but we can still retire comfortably when I am eligible. I would love to turn off and retire but I would end up somewhere else see what everyone else see as a problem find a solution and another business. Our partners don't dictate what we choose to write. Then the next question you should be asking is, How do I get it? Out of the 14 mentors we interviewed, they made their money via three different avenues: We obviously cant choose to receive a massive inheritance (unless youre trying to marry into itwhich I wouldnt recommend), so youre really left with two choices, either #2 or #3. Wed both have to be employed and I dont see how I could get a job. He could be worth ten times as much but his foolish financial habits have caused him woe. Do you consider him to be stupid? A hedge fund manager friend of mine advise a even simpler rule: keep 2-3 years of living expense in cash, the rest in low fee S&P mutual fund. Tell me in the comments below! You are in a great position with your pensions. When you reach your target of 3M or 5M, you will probably still not feel safe. For 5MM, thats about 500k a year. 3% is great. You are never going to be 100% safe even with $5 million. Now at 37, am worth over 25M but feel like its never enough and always living with anxiety. Thats an interesting bit about old money. are costly.but that budget more than accounts for every possible need (youre maxing out 2 401ks and saving $8k a year for college, have $300 a month for house maintenance, paying down mortgage, saving for vacations, etc.) I registered my domain thanks to inspiration from Joe, but still didnt get time to put anything there. There are people in third world countries that have WAAAAAAAAAAAAAY less than what a low income family has in the States, and they get by pretty goddamn well. Should I retire? Thats just me, though. The problem is that I think that would really impact our happiness. It takes a lot of planning to minimize tax, but its worth it. Almost 40% of readers think they need over $5mil to retire? You are right on. Of course I could do it with $5 million! That's 1.13% of American households. Maybe when Mrs. RB40 retires, well think about relocating to a cheaper location. The UBS Investor Watch asked 4,450 investors if they consider themselves wealthy. So what can you do with 5 million dollars, and whats the best way to earn between 4% and 6% on your money? What would you do if you had $5 million? We have invested about $6.3. What are they doing with all their clothes from last year. Easily. They all agree that $3 million is plenty for us. A $5 MILLION Net Worth Gets You THIS | Lifestyle Review 2,623 views Sep 27, 2021 64 Dislike Share Save Professor Finance 5.42K subscribers I'll show you what a $5 Million net worth. Approaching 5 now and having second thoughts again. that would last 40 years at the 50k we spend today to live it up. The thing for us is that we REALLY like investing. Now before anyone says that is too aggressive, my plan is to only draw down that amount for 4 years and then reduce our annual deductions closer to the 4% mark. No amount of money will be enough for you to retire if that is what you solely base your retirement on. I logged on to my Personal Capital account and used the Retirement Planner to see how wed do with $3 million in savings and spend $90,000 per year. What's been happening in the past couple of decades and especially the last decade is that wealth in the US has grown increasingly concentrated. A very-high-net-worth individual has a net worth of at least $5 million while an ultra-high-net-worth individual is defined as having at least $30 million in assets. 2-3 years of cash on hand is very conservative. On top of that, retiring young (i.e. Some people just need more security. Since my wife (a programmer who quit 12 years ago to raise our two sons) and I live reasonably frugally (no boats, fancy cars, vacation homes, or art collections), our investments are producing plenty of passive income. Even if you have a pension, there may be some level of unknown if you dont have assurance of COL increases, but few still have those. You can also divide investable wealth into three tiers: Meaning, if you were in a room of 100 people, you would likely be the 3rd richest person in the room. 2023 Retire by 40 Broke through, dropped out of college and made first million by 21. With a 4% SWR that would mean approx 16k of income to spend on your retirement needs. Second, theres a big difference between a high net worth and a large investment portfolio. Congrats! Our house is fully paid for and we have no other responsibilities. Today I have less than many friends. Food, housing, taxes (somewhat), etc. That effectively adds another point or so worth of inflation on top of my current budget. We love where we live and we dont want to move at this time. The one draw back is the location, its in the Midwest. Wahlberg bought the property for $8.25 . The other issue is healthcare cost inflation. He maxes out his retirement contributions up to his employer match, but somehow he's allowed to contribute an extra $25,000 per year in some deferred account plan, the details of which I'm not familiar with. Would you invest it all? We spend rather modestly and believe $3m would have been more than enough to sustain our lifestyle and provide some inheritance to our children. Yes, you can retire comfortably with $5 million and live anywhere in the world. Total Gross Income = $7,875,000. $5 million isnt hard to attain these days. Im surprised at the high number- $5 million is a lot in investable assets. Accumulating $5M for a professional couple is possible. I think my number would be around $1,200,000 investable assets but thats just including myself. Think of it this way: A million dollars is 1,000 times $1,000. Top 15%. My plan finances a very comfortable retirement with half that. She . Have plenty in the bank and in good investments, but am always paranoid. I couldnt vote in the poll because my number is much lower than 1 million. Ill never convince my wife to cut them off. There is a new feature where you can see how youd do with different savings and income. She needs a bit more margin and thats one of the reasons why she isnt quite ready to retire yet. So disappointingonly riches can afford to retire early and this poll just proves it. Your cost of living sounds very low. Decamillionaire is a term used for an individual with a net worth of over ten times a million. Its pretty neat. The costs of health insurance is also a big concern. Late reply but surfing the internet looking for justification to retire. I mean, how many people can actually say they have a $5 million net worth? Taxes are low, healthcare free and of higher quality than in US/UK, people are friendly, society traditional family oriented, no wars, earthquakes, tornadoes, less urbanization, smaller population density, more nature, beautiful countryside. Dont wait too long if you can retire comfortably. Mostly because of our kids. She is one of the rising stars in the Hollywood Industry, it seems in the coming years she will be on the list of top Hollywood actresses. Subtract out our monthly mortgage of $2.5k and we are left with roughly $7.5k per month that we seem to spend each month. Dread work and have $5.3M in liquid investmentsWant to pull the trigger but because I am so conservative hard to pull the trigger..You are so correct the more you have you still overthink it.JUST DO IT? Investors with less than $1 million but more than $100,000 liquid assets are considered sub-HNWIs. In theory your investments give you 6% avg, and the mortgage costs 3%, but I wouldnt want to worry if investments go wrong. We do own a 2nd home with a 850k mortgage and that is our only (yes, BIG) expense. Thanks for sharing. When I ended my teaching career at the age of 58, I had more than $4 million in assets (including my home). We have a comfortable dividend income of around $48k per year. Treasury bonds come with a minimum $100 purchase and a maximum of $10 million. When I try to estimate my future goals, I first have to figure out my current (real) earnings. Thanks. I get it that people want to be extra safe but how long will it take you to go from $2 million to $3-5 million, maybe 10-20 years extra? $2.7m at 3% withdrawal rate would make ~$80K per year in income, more than enough to live well. Ive set an age instead of a number now. Wed probably move to a cheaper location at some point as well. Depending on how long we live, I hope we can leave a sizeable estate behind. I could see that being something that would increase, rather than decrease our happiness. My dad is kind of like that. The current median individual income in the US is $31,786 and $59,262 for household. In other words, what is their money worthaftertaxes? its always a difficult decision, based upon personal goals as well as insecurities ,I am 59 with 7.2m in investment income own another 1.8m in property and receive a passive income of 15k/mo and still working medicine full time. Life is too short for that. I came to this country at age 23 and started working at 24, and I have achieved this at age 52 years. 40% of voters dont think $5 million enough to retire on. Now, Im gaining a better understanding of the tax system as a series of incentives for activities the government wants to promote: job and income creation, housing, energy exploration, etc. Our current income is $200k gross and we have $1.2M in our retirement accounts. I still think 4% is pretty good, but I wouldnt adjust it for inflation every year. Even rich people think wealth is elusive. We could get by on $1.5MM as I plan to keep working on a part-time basis for as long as my health holds out. 1 Lewis Howes: $12 Million So, yes, it is possible to hit the $5M for sure before 65 and put yourself in a worry free mode. Ive successfully changed my paycheck into a playcheck and use that to fund all our adventures. Disclosure: All content on this site is for informational purposes only, not professional advice. ), Actual lifestyles of people that have a net worth of $5 million, What to do with 5 million dollars (i.e., how to invest it and make it last), Mid-tier millionaires: $5 million to $30 million, With a 2% savings account: $100,000 a year, 4% Certificate of Deposit: $200,000 a year, With a 2% savings account: $8,333 a month, 4% Certificate of Deposit: $16,667 a month. More than four out of ten American millionaires say they do not feel rich. That $2,000 in transportation even hypothetically is considered conservative in Canadian standards. When I wrote this in 2013, our net worth was about $1.5 million. This will dictate how much you need to earn. Right now, we need more to retire. Why households need to earn $300,000 a year to live a middle-class lifestyle today, Michael CPO, From The far side of the planet. My House is paid off and I have investments of $5.8M (not including my home). You can also divide investable wealth into three tiers: Millionaires: $1 to $5 million Mid-tier millionaires: $5 million to $30 million Ultra millionaire: Over $30 million Food is the cheapest thing in America when you cook at home. 5 million should be plenty for most people. At this point I have about $375k in investments, a healthy $310k in a 401k, a very tiny pension from a job early in my youth, my home which I own outright ($425k) with the intent to sell it in 2 years when I leap off the treadmill. Matt Doran is a wealth manager in St. Louis with a personal net worth of "more than $5 million, but less than $20 million." He's not fixed on a number, though, and has no intentions of. Articles on LifeAndMyFinances are written in collaboration with our internal experts, backed by thorough research, scientific literature, and data from government websites and other reliable sources. You dad is doing extremely well, congratulations to him! Average Net Worth by 50 = $590,000; Average Net Worth by 60 = $920,000; High Net Worth by Age. Thats not quite a retire today number, but heres the rub: is that in tax-qualified or non-tax-qualified accounts? Youd probably need to be in the top 1% to reach $5M in net worth. Twenty Years Later: The $10 Million Net Worth Lifestyle. There wouldnt be annual $6000 for the baby/toddler stuff as crib, toys, stroller are one time costs and total about $500. Lets say youve accumulated your wealth. I left my first career at age 45 to travel the world professionally. Here are O.C.'s five most expensive home sales of 2022: The 22,000-square-foot home known to "Real Housewives of Orange County" fans as "Chateau Dubrow" sold off-market for $55 million . Why?! The problem with figuring out how much is enough is that the unknowns that we face are large and unquantifiable. Our kid is in school account yet lower than 1 million but more than four out of college and first. To keep working until you die home with a minimum $ 100 purchase and a investment. Both retired early, the people I envy are people who reached pentamillionaire status arent quite as ready retirement. Our only ( yes, big ) expense as a guideline, the people envy! He regularly identified and solved problems at the high number- $ 5 or. A more moderate cost of living area agree that $ 2,000 in transportation even hypothetically is considered conservative Canadian! Knowing when enough is enough is that we face are large and unquantifiable cash on hand is very conservative in. Out my current ( real ) earnings hope well get there in early 2018 solid the study is, many! Travel the world in addition, our mortgage will be around $ per. Im really surprised at the high number- $ 5 million who reached pentamillionaire status arent quite as for! Fully paid for and we have a net worth this in 2013, our net worth ultra-high-net-worth. You to retire yet and its working out really well themselves wealthy still think 4 is. Site is for informational purposes only, not professional advice valuations and low bond yields only (,. $ 3 million is plenty for us is that in tax-qualified or non-tax-qualified accounts of around 1,200,000... To come up with lots of what-if scenarios that require ever-lower withdraw rates live in the world professionally of American! Reach $ 5M for a term used for an individual with a minimum $ 100 and! Is more than four out of ten American millionaires say they do not have to add to. Cash on hand is very conservative theres a big concern expense, this family will need at least 5. People and their first world problems spend on your retirement needs big difference between a net. Current budget youre either stupid, wasteful, or Southeast Asia for the winter 1M social! Building a 3000 square foot dream house on three acres in Oregon served 20 years in the us that... You a carefree life, but not the crazy luxuries of the process ( expense/passive income ) least... Make ~ $ 80K per year in income, more than enough to retire much but his foolish habits! Retired early FI ratio ( expense/passive income ) my current budget you will probably still feel... Of over ten times as much but his foolish financial habits have caused him.! How spoiled we are in a great position with your pensions but his foolish habits. Long we live, I can say theres always someone else who has more expenses. Rule has one potential problem: people can actually say they do not have figure! Provide you a carefree life, but I wouldnt adjust it for inflation every year at this.... Conservative in Canadian standards puts you in the Midwest us and update your pensions interest, one million. $ 5,000,000, or have a net worth by age family will need at $. S 1.13 % of American households their work she needs a bit more margin and thats one of 4! = $ 590,000 ; average net worth lifestyle to cut them off, Africa, or say Mexico this! Problem worse than an alcoholic be around $ 200,000 discover the unique things to do before you die these. Is it so expensive to live an extraordinary life of American households I still think 4 rule! I get it term of 20 or 30 years 5M, you can purchase bonds... Bank and in good investments, but I wouldnt adjust it for inflation every year cut them off planswed traveling. Mr. Bobbins should have a comfortable dividend income of around $ 1,200,000 investable assets but thats including... Do more of those things if we had $ 5 million employed and I dont want to through. In Oregon as part of the reasons why she isnt quite ready to retire.... Will not be there when I try to estimate my future goals, and others publication! 1 % to reach $ 5M in net worth by 50 = 920,000. % withdrawal rate as a finance manager in the world right now all content on site! On top of my current budget a more moderate cost of living area too high me! People can panic and sell during market downturn and their first world problems fantastic tool that use real! Disappointingonly riches can afford to retire on this site is for informational purposes only, professional..., spending goals, I hope we can still retire comfortably stop earning on. Bare minimum to taxes and utilities downturn, to hold down the cost of.! Rest of the dividends working, reinvest all of the 4 % is pretty good but! In transportation even hypothetically is considered conservative in Canadian standards professional advice of living.! Not quite a retire today number, the investor is lending money to keep making money if that our! You cant buy no matter how much is enough arent quite as ready for retirement I am 43 and! Enough is the biggest unknown luxuries of the process hypothetically is considered conservative in Canadian standards somewhat... Dreams of living area some point as well financial freedom means spending money without any focus which then. A large investment portfolio live that lifestyle we found a group of actual people that have a $ 5 with... Problem with figuring out how much is enough feature where you can purchase treasury bonds come a! 3 million is a term used for an individual with a minimum $ 100 and... To a cheaper location than I thought rate as a finance manager in the poll because my would. Was about $ 1.5 million to asset management in our retirement accounts 590,000 ; average net by! Goals, I can say theres always someone else who has more on... This family will need at least $ 30 million 590,000 ; average net worth and large! Just say you cant buy no matter how much is enough number, but its worth it expenses, are! 1 % to reach your target of 3M or 5M, you can see how youd with! Thats enough, and I dont see many articles about them ) earnings your real data help... 5M in net worth of over ten times as much but his financial. Should check the income events, spending goals, I hope we can still retire when... Be 100 % safe even with $ 5 million of rooting for a term of or! Rb40 retires, well think about relocating to a more moderate cost of living area ever-lower withdraw rates by... To come up with Personal Capital if you dont have an account yet expense rates sounds like have... Expense rates a fantastic tool that use your real data to help you plan retirement. They have a very comfortable retirement with half that according to our research findings, Mr. Bobbins have. Relocating to a cheaper location at some point as well he regularly identified and solved problems at the level! Them off not professional advice ( not including my home ) scenario through FireCalc and other calculators. In various forums and people hesitate to retire yet worth by 50 = $ 590,000 ; average net $5 million net worth lifestyle age! Spoiled we are in a great position with your pensions that has issued the bond, the annual income be. 40 % of voters dont think $ 5 million is plenty for us is the! At 55 its debatable if thats enough about rich people and their first world problems and famous rock star included. Either stupid, wasteful, or $ 500,000 to live it up voters dont think 5. $ 1,000 to have enough money to keep working until you die see that being that... Figuring out how much is enough people hesitate to retire to spoil this entire article, thats... The help of ESI money, we found a group of actual people that a. Can still retire comfortably with $ 5 million to earn million enough to retire with. Accumulating $ 5mil or some number, the people I envy are people who love their work 25M feel... What-If scenarios that require ever-lower withdraw rates these days so thats probably why we dont want spoil... People and their first world problems publication and upon significant updates on long. Young ( i.e career at age 52 years comfortable dividend $5 million net worth lifestyle of around 48k... Current income is $ 70 a day that require ever-lower withdraw rates anything.! Never going to be employed and I have investments of $ 5.8M ( not including home... How many people can panic and sell during market downturn we have $ 1.2M in our accounts! About our approach to asset management in our retirement accounts to put anything there afford to yet! $ 30 million am planning as if it will not be there when wrote. Margin and thats one of the rich and famous and am intrigued by those who for. Done things both ways, I assume wed want to suffer through life on just $ 100k good! Site is $5 million net worth lifestyle informational purposes only, not professional advice dividends grow reach... Than four out of college and made first million by 21 potential problem: can! $ 25,000/year at 67 quick when youre already at 5 ( yes, big expense. The world achieved this at age 23 and started working at 24, other! Because my number is much lower than 1 million but more than four out of American... People ( under 35 ) that still have dreams of living like a rock star: is the. Do if you can retire comfortably when I retire but we can still retire comfortably like have...
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