Tyler Gardner
Region: US
Thursday 24 September 2026 10:00:00 GMT
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Thomas Linzi :
Here's the algebraic formula: 20x/(1.07^(r-a)) x=annual spending r=retirement age a=current age
2026-09-24 15:34:55
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The Mad Crone 🌙 :
You lost me at step 5 lol. I had 1.5 16 and 7%.
2026-09-24 16:06:15
6
babaganush :
I have no debt own three homes and I have $8 million dollars all in T bills at 4.2% rolling, It generates on average around $320,000 a year which I cannot spend. too old to risk stocks. life is Rosie. 🥰
2026-09-24 16:26:32
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Mark :
keep inflation in mind, though. what you spend $60k now might cost you $120k in 25 years.
2026-09-24 16:49:33
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Shelby Ricks531 :
Your main point here is- know what your annual spending is. And it is scary most people have no clue what this number is
2026-09-24 11:21:43
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gogogomers :
how do you incorporate mortgage and child care costs? of course I'm spending more now than I will in 25 years; I don't have a mortgage payment or raising three children when I retire
2026-09-24 21:17:31
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Jim Bob :
Tyler I have surpassed my number. but can still afford to max out my Roth 401 and roth ira. do I still do that?
2026-09-24 12:17:28
3
Mayven33 :
Thank you! Very helpful and tangible. I have some serious saving to do, but at least I have a real number to work toward.
2026-10-18 13:29:50
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Besafeandcalm :
Adjusted for inflation?
2026-09-24 21:38:22
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seanbob604 :
you're one of the very few experts I find on her who use realistic rates of return to run these forecasts. Everyone else seems to assume 10-12% 😏
2026-09-24 14:13:10
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1tomcat :
nice. I might give each kid some money so they don't have to save any more. I rather give to kids now instead of IRS if I could.
2026-09-24 16:11:26
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Frank Holinger :
missed inflation
2026-10-16 11:12:36
0
Ctrl+Z :
What about inflation
2026-09-24 22:02:45
2
Tyler Durden :
How do I account for defined benefit pension plans indexed to inflation? Should I consider present economic value, some other factor, or exclude?
2026-09-24 17:39:04
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tyler33411 :
Thank you
2026-09-27 02:24:06
1
Bee Kay 21 :
He never talks about longevity. Or end of life care. Two super important considerations.
2026-09-25 01:24:40
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tos2605 :
Anybody have $221k so I can invest in stocks today 😅
2026-09-24 17:22:39
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Sab :
Dude I’m a math person and you freakin lost me.
2026-09-26 00:36:55
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Barleona :
Need to add inflation and tax to your calculations.
2026-09-24 17:06:32
3
phisig23 :
truth is....nobody knows. everyone has a plan until you get punched in the face.
2026-10-06 19:02:43
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Lg Ysvrz :
What if in brokerage tax as well? Cuz there is limit to out on roth ira and 401k?
2026-09-24 19:15:41
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Canuklehead :
What do you mean by raised to the 25th?
2026-09-26 00:04:34
0
John39999 :
i’d be curious to know outside of peoples wealth in their existing home how much do they have outside of that in savings? I wouldn’t think much.
2026-09-24 21:55:12
3
John39999 :
oh my God that was my exact measurement 60,000 a year lol
2026-09-24 21:53:35
3
Christy.Canyon :
At what age is this expected to run out? People in my family live until 100+
2026-09-24 17:53:12
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