Do you have a “magic” number in mind for retirement? Like how much you have invested so you can retirement comfortably? What is that number?

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$5 mil in SF. 4% a year gets me $200k in disposable income which is more than enough to retire w

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I'm still fairly early along in retirement planning, so I don't feel like I really have a concrete number. My focus is to become debt-free, while saving what I can. Which means I focus on frugality and thrift, which isn't always easy when surrounded by profligate characters. But, it's just a matter of staying focused on the goals, pushing the debt number down and the savings number up.

25x your annual expenses, if inflation is reasonable

Is that 25x number a pre tax or post tax number? Higher tax bracket is something I worry about 20 years from now.

25x in the bank. Post tax.

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