I’ve been staring at the same question for months now: did I really save enough for a $100,000 retirement lifestyle? On paper, the answer looks reassuringly simple; in real life, it feels a lot less certain and much more personal.
I first laid out my numbers in a comment on Reddit’s r/Fire subreddit, explaining that right now my family of five spends about $70,000 excluding taxes and healthcare, and my retirement plan is built around spending $100,000 a year in today’s money. Of that amount, $72,000 is earmarked for necessities and $28,000 for fun.
