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Post by KatN on Fri Feb 14, 2020 11:19 am

If you are 53T, have $1.4M in 401K, $150K cash saving and still don't know how to do simple math in order to plan you life, asking this question thì you shouldn't retire Silly question!!! 2023431958

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Post by dakao2 on Fri Feb 14, 2020 11:21 am

Me got no money and want to retire early Cheer
dakao2

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Location : TX

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Post by KatN on Fri Feb 14, 2020 11:25 am

dakao2 wrote:Me got no money and want to retire early Cheer

Go find and thả goat Sugar Mama aka chị Jubi đó Silly question!!! 2023431958 Silly question!!! 2023431958


Last edited by KatN on Fri Feb 14, 2020 11:25 am; edited 1 time in total
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Post by 8DonCo on Fri Feb 14, 2020 11:25 am

có lẽ là chỉ khoe thôi chớ không phải là câu hỏi

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Post by TT-00 on Fri Feb 14, 2020 11:26 am

Depend on the person living style ....... and what they want to do when retire.....
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Post by vietnam4all on Fri Feb 14, 2020 11:29 am

8DonCo wrote:có lẽ là chỉ khoe thôi chớ không phải là câu hỏi

Đúng vậy.

Có lẽ người viết bài này là để có gì đó viết chơi thôi.
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Post by TuTu on Fri Feb 14, 2020 11:31 am

thien hạ hay lên mạng nổ hay khoe cho vui thôi ...như có forum bàn về cách improve credit scores thì có 1 nguòi nói credit scores của tui là 810 điểm , vay là good hay bad ? thien hạ quay lại chửi cha đó quá trời (LOL)
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Post by vietnam4all on Fri Feb 14, 2020 11:35 am

TuTu wrote:thien hạ hay lên mạng nổ hay khoe cho vui thôi ...như có forum bàn về cách improve credit scores thì có 1 nguòi nói credit scores của tui là 810 điểm , vay là good hay bad ? thien hạ quay lại chửi cha đó quá trời (LOL)

Chết rồi hôm bữa cũng có người ơ chợ hỏi câu này :Giggling:
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Post by truong vo ky on Fri Feb 14, 2020 11:40 am

vietnam4all wrote:
TuTu wrote:thien hạ hay lên mạng nổ hay khoe cho vui thôi ...như có forum bàn về cách improve credit scores thì có 1 nguòi nói credit scores của tui là 810 điểm , vay là good hay bad ? thien hạ quay lại chửi cha đó quá trời (LOL)

Chết rồi hôm bữa cũng có người ơ chợ hỏi câu này :Giggling:
Nói nghe nhột lol!
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Post by TuTu on Fri Feb 14, 2020 11:43 am

kỳ đó TuTu đọc vụ credit score gì đó cười quá trời trong website gì
của Mỹ á . trong day là vụ gì tutu hong biet

bác Viet, bác Kỵ : :Giggling:
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Post by Linhxa on Fri Feb 14, 2020 12:06 pm

It depends how you live not how much you have ...
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Post by nhatrangdep on Fri Feb 14, 2020 1:02 pm

có ít xài ít ..có nhiều xài nhiều ..thuyền to song' to, thuyền nhỏ song nhỏ ..

ba má chồng có dưới 1.5k/tháng mà họ vẫn sống ngon lành, ăn uống đầy đủ không thiếu hụt ..
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Post by ga10 on Fri Feb 14, 2020 1:12 pm

Planning out your retirement is not just simple math. In addition to knowing how much you have in 401K & savings, you might also need to know:

- At what age you plan to retire?
- How much is your monthly SSN once you retire and will you be able to draw on it right away?
- How much is your estimated living expenses including taxes and insurance (don't forget to factor in inflation rates)?
- How frequently do you want to travel and about how much you want to spend per trip?
- What are some major purchases/spendings in the future (ie buy a $50K car every 5 years, pay for kids' college tuition/wedding)?
- Don't forget to calculate your estimated income taxes depending on whether your 401K contribution was pre-tax or not.
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Post by TuTu on Fri Feb 14, 2020 1:15 pm

.@ Chị Nhatrang ,
cái tâm bình an là quan trọng
co'sống trên đống vàng mà tâm không an thì cũng chẳng enjoy life đuọc gì . chua chac a luxury life là happy life .


Last edited by TuTu on Fri Feb 14, 2020 4:03 pm; edited 1 time in total
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Post by Linhxa on Fri Feb 14, 2020 1:34 pm

ga10 wrote:Planning out your retirement is not just simple math.  In addition to knowing how much you have in 401K & savings, you might also need to know:

- At what age you plan to retire?
- How much is your monthly SSN once you retire and will you be able to draw on it right away?
- How much is your estimated living expenses including taxes and insurance (don't forget to factor in inflation rates)?
- How frequently do you want to travel and about how much you want to spend per trip?
- What are some major purchases/spendings in the future (ie buy a $50K car every 5 years, pay for kids' college tuition/wedding)?
- Don't forget to calculate your estimated income taxes depending on whether your 401K contribution was pre-tax or not.
We already did this with Fidelity retirement planner...
dùng 401k until you reach 65 for social security and health care .. trước 65 thì phải save money now to buy health insurance ~ 5-7k/yr
We have been maxed out our 401k for the last 15 yrs .. 2017 and last quarter of 2019 were a good return period... 401k made more than our income..:
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Post by ga10 on Fri Feb 14, 2020 1:43 pm

Linhxa wrote:We already did this with Fidelity retirement planner...
dùng 401k until you reach 65 for social security and health care .. trước 65 thì phải save money now to buy health insurance ~ 5-7k/yr
We have been maxed out our 401k for the last 15 yrs .. 2017 and last quarter of 2019 were a good return period...  401k made more than our income..:

Congratulations! Sound like you are set for your retirement and will have extras left for your children/grandchildren as well! :handshake: Cheer
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Post by truong vo ky on Fri Feb 14, 2020 2:20 pm

Ideally for me,khi retire income take home equal or 20-25% less than the last year you made before retiring là ok . For example: you made $100k , khi retire monthly income 75k should be ok
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Post by Linhxa on Fri Feb 14, 2020 2:24 pm

truong vo ky wrote:Ideally for me,khi retire income take home equal or 20-25% less than the last year you made before retiring là ok . For example: you made $100k , khi retire monthly income 75k should be ok
We all wish ... social security max là 3k/month = 36k/yr
75k ... for retirement ... kiếm thêm y tá đi bác kỵ lol!.p
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Post by truong vo ky on Fri Feb 14, 2020 2:26 pm

Linhxa wrote:
truong vo ky wrote:Ideally for me,khi retire income take home equal or 20-25% less than the last year you made before retiring là ok . For example: you made $100k , khi retire monthly income 75k should be ok
We all wish ... social security max là 3k/month = 36k/yr
75k ... for retirement ... kiếm thêm y tá đi bác kỵ lol!.p
Còn pension hảng rồi 401 k chi man? Lol
truong vo ky

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Post by Floridian on Fri Feb 14, 2020 3:04 pm

truong vo ky wrote:Ideally for me,khi retire income take home equal or 20-25% less than the last year you made before retiring là ok . For example: you made $100k , khi retire monthly income 75k should be ok


If that's the case, I'll never retire than .
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