{"id":6958,"date":"2024-08-14T15:25:21","date_gmt":"2024-08-14T19:25:21","guid":{"rendered":"https:\/\/e-krc.org\/?post_type=article&#038;p=6958"},"modified":"2025-05-29T18:02:09","modified_gmt":"2025-05-29T22:02:09","slug":"how-much-money-to-retire","status":"publish","type":"article","link":"https:\/\/e-krc.org\/ch\/article\/how-much-money-to-retire\/","title":{"rendered":"\u6211\u9700\u8981\u591a\u5c11\u94b1\u624d\u80fd\u9000\u4f11\uff1f"},"content":{"rendered":"\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/vkl.umo.mybluehost.me\/wp-content\/uploads\/2024\/08\/\u3010\u795e\u570b\u96dc\u8a8c\u3011\u7b2c76\u671f-\u795e\u570b\u7ba1\u5bb6\u55ae\u5143-\u3008\u6211\u9700\u8981\u591a\u5c11\u9322\u624d\u80fd\u9000\u4f11\u3009\u4f5c\u8005\u5f90\u5b89.mp3\"><\/audio><\/figure>\n\n\n\n<figure class=\"wp-block-embed alignright is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"\u3010\u795e\u570b\u96dc\u8a8c\u3011\u7b2c76\u671f \u795e\u570b\u7ba1\u5bb6\u55ae\u5143 \u3008\u6211\u9700\u8981\u591a\u5c11\u9322\u624d\u80fd\u9000\u4f11\u3009\u4f5c\u8005\u5f90\u5b89\" width=\"720\" height=\"405\" src=\"https:\/\/www.youtube.com\/embed\/ftcoa44xMts?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><figcaption class=\"wp-element-caption\">\u6536\u807d\u9019\u7bc7\u6587\u7ae0<\/figcaption><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_cc22a5-72, .wp-block-kadence-advancedheading.kt-adv-heading6958_cc22a5-72[data-kb-block=\"kb-adv-heading6958_cc22a5-72\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6958_cc22a5-72 mark.kt-highlight, 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data-kb-block=\"kb-adv-heading6958_cc22a5-72\">\u5404\u4eba\u9000\u4f11\u4e4b\u9014\u98a8\u666f\u4e0d\u540c\u3002\u4f60\u662f\u8f15\u88dd\u4e0a\u8def\uff0c\u6216\u662f\u884c\u56ca\u6eff\u6eff\uff1f<\/h3>\n\n\n\n<p>\u9000\u4f11\u53ef\u80fd\u662f\u8a31\u591a\u4eba\u56ae\u5f80\u5e78\u798f\u4eba\u751f\u7684\u7f8e\u597d\u968e\u6bb5\u4e4b\u4e00\u3002\u7136\u800c\u8981\u5982\u4f55\u628a\u61a7\u61ac\u5316\u70ba\u73fe\u5be6\uff1f\u6bcf\u500b\u4eba\u7684\u9000\u4f11\u4e4b\u9014\u90fd\u662f\u7368\u7279\u7684\uff0c\u6216\u6309\u8457\u9810\u671f\u7684\u8a08\u756b\uff0c\u6216\u6709\u610f\u6599\u4e4b\u5916\u7684\u6a5f\u9047\uff0c\u98a8\u666f\u5404\u6709\u4e0d\u540c\u3002\u4f60\u662f\u8f15\u88dd\u4e0a\u8def\uff0c\u6216\u662f\u884c\u56ca\u6eff\u6eff\uff1f\u5e36\u8457\u751a\u9ebc\u5fc3\u60c5\uff0c\u53c8\u6709\u751a\u9ebc\u61a7\u61ac\uff1f<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_e99b36-b4, .wp-block-kadence-advancedheading.kt-adv-heading6958_e99b36-b4[data-kb-block=\"kb-adv-heading6958_e99b36-b4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6958_e99b36-b4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6958_e99b36-b4[data-kb-block=\"kb-adv-heading6958_e99b36-b4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6958_e99b36-b4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6958_e99b36-b4[data-kb-block=\"kb-adv-heading6958_e99b36-b4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading6958_e99b36-b4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6958_e99b36-b4\">\u898f\u5283\u9000\u4f11\uff0c\u5f9e\u554f\u554f\u984c\u958b\u59cb<\/h4>\n\n\n\n<p>\u63d0\u5230\u9000\u4f11\uff0c\u6700\u5e38\u807d\u898b\u7684\u7591\u554f\u662f\u2014\u6211\u9700\u8981\u591a\u5c11\u9322\u624d\u80fd\u9000\u4f11\uff1f\u5176\u5be6\u9019\u6d89\u53ca\u9000\u4f11\u524d\u7684\u8ca1\u52d9\u898f\u5283\uff0c \u8207\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u578b\u614b\uff0c\u9700\u8981\u591a\u65b9\u8003\u91cf\u3002\u8981\u5f97\u5230\u7b54\u6848\uff0c\u9700\u8981\u8ffd\u52a0\u4ee5\u4e0b\u554f\u984c\uff1a\u4f55 \u6642\u9000\u4f11\uff1f\u5728\u54ea\u88e1\u9000\u4f11\uff1f\u60f3\u8981\u600e\u6a23\u7684\u751f\u6d3b\uff1f\u53ef\u9810\u671f\u7684\u6536\u5165\u8207\u958b\u652f\uff1f\u6709\u751a\u9ebc\u958b\u6e90\u7bc0\u6d41\u7684\u65b9\u6cd5\uff1f \u6839\u64da\u7f8e\u570b\u54e1\u5de5\u798f\u5229\u7814\u7a76\u6240\uff08Employee Benefit Research Institute, www.ebri.org\uff09 2021\u5e74\u7684\u4e00\u9805\u8abf\u67e5\uff0c\u5118\u7ba1\u5df2\u63a5\u8fd1\u9000\u4f11\u5e74\u9f61\uff0c \u5e74\u9f61\u572855\u6b72\u6216\u4ee5\u4e0a\u7684\u5de5\u4f5c\u8005\u4e2d\uff0c\u53ea\u670960%\u7684\u4eba\u66fe\u70ba\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u578b\u614b\u505a\u958b\u652f\u53ca\u5132\u84c4\u9810\u7b97\uff08\u898b\u4e0b\u5716\uff09\u3002<\/p>\n\n\n<style>.wp-block-kadence-image.kb-image6958_582552-9f:not(.kb-specificity-added):not(.kb-extra-specificity-added) > figure{margin-bottom:var(--global-kb-spacing-md, 2rem);}.kb-image6958_582552-9f.kb-image-is-ratio-size, .kb-image6958_582552-9f .kb-image-is-ratio-size{max-width:450px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image6958_582552-9f.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image6958_582552-9f .kb-image-is-ratio-size{align-self:unset;}.kb-image6958_582552-9f figure{max-width:450px;}.kb-image6958_582552-9f .image-is-svg, .kb-image6958_582552-9f .image-is-svg img{width:100%;}.kb-image6958_582552-9f .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image6958_582552-9f\"><figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"429\" src=\"https:\/\/vkl.umo.mybluehost.me\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_1.png\" alt=\"\" class=\"kb-img wp-image-6960\" srcset=\"https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_1.png 610w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_1-400x281.png 400w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_1-600x422.png 600w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_1-300x211.png 300w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_1-50x35.png 50w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_1-18x12.png 18w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><figcaption>\uff08\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"https:\/\/www.ebri.org\/docs\/default-source\/rcs\/2021-rcs\/rcs_21-fs-4_age.pdf?sfvrsn=69d83a2f_4.\">https:\/\/www.ebri.org\/docs\/default-source\/rcs\/2021-rcs\/rcs_21-fs-4_age.pdf?sfvrsn=69d83a2f_4.<\/a>\uff09<\/figcaption><\/figure><\/div>\n\n\n\n<p>\u6839\u64da\u52de\u5de5\u5c40\u8cc7\u6599\uff0c\u7f8e\u570b\u4eba\u9000\u4f11\u5e74\u6578\u5e73\u5747\u7d04\u70ba20\u5e74\u3002\u7d04\u6709\u4e00\u534a\u7684\u7f8e\u570b\u4eba\u6703\u63d0\u524d\u70ba\u9000\u4f11\u751f\u6d3b\u6240\u9700\u505a\u8a08\u756b\uff0c\u800c\u5728\u6709\u689d\u4ef6\u53c3\u8207\u5982401(k)\u9000\u4f11\u5132\u84c4\u7684\u54e1\u5de5\u4e2d\uff0c\u8d85\u904e\u56db\u5206\u4e4b\u4e00\u7684\u4eba\u9078\u64c7\u4e0d\u53c3\u52a0\u3002\u5f9e\u9019\u4e9b\u8abf\u67e5\u6578\u5b57\u53ef\u4ee5\u770b\u51fa\uff0c\u4e26\u975e\u6240\u6709\u4eba\u90fd\u6703\u63d0\u524d\u898f\u5283\uff0c\u70ba\u9000\u4f11\u505a\u6e96\u5099\u3002<\/p>\n\n\n\n<p>\u4efb\u4f55\u7684\u5132\u84c4\u53ca\u6295\u8cc7\uff0c\u300c\u6642\u9593\u300d\u662f\u91cd\u8981\u56e0\u7d20\u3002\u6216\u8005\u4e8b\u5148\u9810\u5099\uff0c\u6216\u8005\u5ef6\u5f8c\u9000\u4f11\uff0c\u8b93\u6642\u9593\u7684\u8907\u5229\u529b\u91cf\u589e\u52a0\u8cc7\u7522\uff0c\u4f9b\u61c9\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u6240\u9700\u3002\u7136\u800c\u7121\u8ad6\u5982\u4f55\u7c4c\u5283\u9000\u4f11\uff0c\u300c\u7ba1\u5bb6\u4e4b\u5fc3\u300d\u662f\u95dc\u9375\u3002\u8aa0\u5be6\u76e4\u9ede\u624b\u4e2d\u8cc7\u6e90\uff0c\u4e86\u89e3\u5404\u7a2e\u6295\u8cc7\u53ca\u5132\u84c4\u5de5\u5177\uff0c\u505a\u51fa\u5be6\u969b\u53ef\u884c\u7684\u8a08\u756b\u4e26\u78ba\u5207\u57f7\u884c\u3002\u671f\u8a31\u4f60\u6211\u7121\u8ad6\u4f55\u6642\u9000\u4f11\uff0c\u751f\u6d3b\u4e0d\u81f4\u7a98\u8feb\uff0c\u4ecd\u6709\u9918\u88d5\u4f7f\u7528\u795e\u6240\u8cdc\u7684\u9322\u8ca1\u3001\u9ad4\u529b\u3001\u7d93\u9a57\u3001\u77e5\u8b58\u3001\u624d\u5e79\u7b49\uff0c\u4f86\u795d\u798f\u4ed6\u4eba\u3002<\/p>\n\n\n\n<p>\u5f9e\u4e8b\u7406\u8ca1\u5c08\u696d\u591a\u5e74\uff0c\u807d\u5230\u8a31\u591a\u4eba\u6e34\u671b\u505a\u5230\u6240\u8b02\u7684\u8ca1\u52d9\u81ea\u7531\u3002\u6e96\u5099\u662f\u5fc5\u8981\u7684\uff0c\u4f46\u4eba\u751f\u7336\u5982\u80a1\u5e02\u4e0a\u4e0b\u6ce2\u52d5\uff0c\u5373\u4f7f\u80fd\u89c0\u5bdf\u8da8\u52e2\uff0c\u76e1\u53ef\u80fd\u505a\u660e\u667a\u7684\u5206\u8fa8\uff0c\u4f9d\u820a\u96e3\u4ee5\u9810\u6599\u4efb\u4f55\u7a81\u767c\u72c0\u6cc1\u3002\u6240\u4ee5\u5728\u505a\u4efb\u4f55\u8a08\u756b\u6642\uff0c\u4ecd\u8981\u76f8\u4fe1\u795e\u4e3b\u638c\u4e00\u5207\uff1b\u7121\u8ad6\u5728\u4eba\u751f\u7684\u54ea\u500b\u968e\u6bb5\uff0c\u4fe1\u5fc3\u662f\u8207\u795e\u540c\u884c\u7684\u8f2a\u8ef8\u3002<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_5ac382-91, 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https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_2-1-400x488.png 400w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_2-1-600x732.png 600w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_2-1-246x300.png 246w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_2-1-50x61.png 50w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_2-1-10x12.png 10w\" sizes=\"auto, (max-width: 701px) 100vw, 701px\" \/><figcaption>\u25b2\u4f60\u60f3\u8981\u600e\u6a23\u7684\u9000\u4f11\u751f\u6d3b\uff1f\u9000\u4f11\u91d1\u7684\u5132\u84c4\u91d1\u984d\u6703\u56e0\u751f\u6d3b\u578b\u614b\u800c\u6709\u4e0d\u540c\u3002<br>\uff08\u5716\u7247\u4f86\u6e90\uff1ahttps:\/\/www.freepik.com\/free-photo\/family-bonding-casual-affection-relationship)<\/figcaption><\/figure><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_6f6e87-ab, .wp-block-kadence-advancedheading.kt-adv-heading6958_6f6e87-ab[data-kb-block=\"kb-adv-heading6958_6f6e87-ab\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6958_6f6e87-ab mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6958_6f6e87-ab[data-kb-block=\"kb-adv-heading6958_6f6e87-ab\"] 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class=\"has-inline-color\">\u8a08\u7b97\u672a\u4f86\u6536\u5165<\/mark>\u3002\u5982\u9000\u4f11\u91d1\u3001\u793e\u5b89\u798f\u5229\uff0c\u53ca\u5176\u4ed6\u9000\u4f11\u5f8c\u514c\u73fe\u7684\u5132\u84c4\u53ca\u6295\u8cc7\u6536\u76ca\u7b49\u3002\u6b64\u6578\u5b57\u8207\u672a\u4f86\u652f\u51fa\u76f8\u6bd4\u8f03\uff0c\u53ef\u4ee5\u5f97\u51fa\u9000\u4f11\u5f8c\u9700\u8981\u591a\u5c11\u9322\u624d\u80fd\u300c\u6253\u5e73\u300d\u7684\u6982\u5ff5\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u5047\u8a2d\u592b\u59bb\u9700\u8981\u6bcf\u67088,000\u7f8e\u5143\u9000\u4f11\u958b\u92b7\uff0c \u4e8c\u4eba\u6bcf\u6708\u9810\u671f\u5404\u5f97\u5230$1,500\u7684\u793e\u5b89\u798f\u5229\u91d1\uff0c \u5176\u4e2d\u4e00\u4f4d\u6bcf\u6708\u9084\u80fd\u6709$1,000\u7684\u990a\u8001\u91d1\u3002\u9019\u610f\u5473\u8457\u5728\u6bcf\u6708$8,000\u7684\u6536\u5165\u9700\u6c42\u4e2d\uff0c$4,000 ($1,500\u00d72\u4eba+ $1,000)\u4f86\u81ea\u7a69\u5b9a\u6536\u5165\uff0c\u5269\u9918\u7684 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data-kb-block=\"kb-adv-heading6958_517923-e5\">\u4e8c\u30014% \u898f\u5247  \uff08\u8a3b\uff09<\/h4>\n\n\n\n<p>\u516c\u5f0f\uff1a\u5e74\u652f\u51fa\u9664\u4ee54%=\u6708\u652f\u51fa\uff1b\u6708\u652f\u51fax300\u6708\u9019\u662f\u7d93\u9a57\u6cd5\u5247\uff0c\u9650\u5236\u6bcf\u5e74\u5f9e\u9000\u4f11\u5e33\u6236\u63d0\u53d6\u7684\u91d1\u984d\u4e0d\u8d85\u904e\u9000\u4f11\u7b2c\u4e00\u5e74\u5e33\u6236\u7e3d\u91d1\u984d\u76844%\uff0c\u6bcf\u5e74\u63d0\u53d6\u76f8\u540c\u91d1\u984d\u3002\u76ee\u7684\u662f\u5728\u6b63\u5e38\u58fd\u547d\u7684\u9810\u671f\u4e0b\u6709\u8db3\u5920\u7684\u73fe\u91d1\u6d41\u652f\u4ed8\u6240\u9700\u3002\u7136\u800c\u5728\u76ee\u524d\u9ad8\u901a\u81a8\u6216\u6295\u8cc7\u5831\u916c\u4e0d\u4f73\u7684\u60c5\u6cc1\u4e0b\uff0c\u53ef\u80fd\u9700\u8981\u964d\u4f4e\u652f\u51fa\u6216\u662f\u9810\u5099\u984d\u5916\u73fe\u91d1\uff0c\u4f5c\u70ba\u7de9\u885d\uff0c\u907f\u514d\u5728\u5e02\u5834\u4f4e\u8ff7\u6642\u63d0\u53d6\u66f4\u591a\u8cc7\u91d1\u3002\uff08\u8acb\u53c3\u8003<a href=\"https:\/\/vkl.umo.mybluehost.me\/article\/sky-full-of-clouds\/\">\u672c\u520a75\u671f\u6587\u7ae0\u3008\u70ba\u971e\u5c1a\u6eff\u5929\u3009<\/a>\uff0c\u95b1\u8b80\u66f4\u8a73\u7d30\u4ecb\u7d39\u3002\uff09<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_c86b95-75, .wp-block-kadence-advancedheading.kt-adv-heading6958_c86b95-75[data-kb-block=\"kb-adv-heading6958_c86b95-75\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6958_c86b95-75 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6958_c86b95-75[data-kb-block=\"kb-adv-heading6958_c86b95-75\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6958_c86b95-75 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6958_c86b95-75[data-kb-block=\"kb-adv-heading6958_c86b95-75\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading6958_c86b95-75 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6958_c86b95-75\">\u4e09\u300145%\u7684\u6536\u5165\u66ff\u4ee3\u7387<\/h4>\n\n\n\n<p>\u91d1\u878d\u670d\u52d9\u516c\u53f8\u5bcc\u9054\uff08Fidelity\uff09\u8abf\u67e5\u5f8c\u5efa\u8b70\uff0c\u70ba\u4e86\u7dad\u6301\u8207\u9000\u4f11\u524d\u5341\u5e74\u76f8\u4f3c\u7684\u751f\u6d3b\u65b9\u5f0f\uff0c\u4ee5\u9000\u4f11\u524d\u5e74\u6536\u5165\u768445%\u70ba\u66ff\u4ee3\u76ee\u6a19\u61c9\u8a72\u8db3\u5920\u3002<\/p>\n\n\n\n<p>\u5047\u8a2d\u572865\u6b72\u6642\u5e74\u85aa\u70ba\u5341\u842c\u7f8e\u5143\uff0c\u6309\u6536\u5165\u66ff\u4ee3\u738745%\u8a08\u7b97\uff0c\u6bcf\u5e74\u751f\u6d3b\u8cbb\u7528\u9700\u8981$45,000\u3002\u4ee5\u5e73\u5747\u9000\u4f11\u5f8c\u751f\u6d3b20\u5e74\u4f86\u770b\uff0c\u53ef\u80fd\u9700\u8981\u6e96\u5099$90\u842c\uff084.5\u842c\u00d720\u5e74\uff09\u3002<\/p>\n\n\n\n<p>\u70ba\u4e86\u5be6\u73fe\u9019\u4e00\u76ee\u6a19\uff0c\u5bcc\u9054\u5efa\u8b70\u57fa\u65bc\u5e74\u9f61\u7684\u5132\u84c4\u76ee\u6a19\uff08\u898b\u4e0b\u5716\uff09\uff1a<\/p>\n\n\n\n<p>\u572825\u6b72\u6642\u958b\u59cb\u5132\u84c4\uff0c\u4e26\u5c07\u5e74\u6536\u5165\u768415%\uff08\u53c3\u6578\uff38=\u5e74\u6536\u5165\u00d715%\uff09\u5132\u84c4\u6295\u8cc7\u65bc\u9069\u5408\u5e74\u9f61\u7684\u80a1\u7968\u53ca\u50b5\u5238\u7d44\u5408\uff0c\u61c9\u8a72\u80fd\u5920\u5be6\u73fe\u9019\u4e9b\u76ee\u6a19\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u5e74\u8f15\u6642\u53ef\u7a4d\u6975\u6295\u8cc7\u65bc\u80a1\u7968\uff1b\u8d8a\u63a5\u8fd1\u9000\u4f11\uff0c\u9700\u8f49\u5411\u98a8\u96aa\u8f03\u5c0f\u7684\u50b5\u5238\u548c\u73fe\u91d1\uff0c\u76ee\u7684\u5728\u589e\u52a0\u6295\u8cc7\u7d44\u5408\u7684\u7a69\u5b9a\u6027\u3002<\/p>\n\n\n\n<p>\u5bcc\u9054\u5efa\u8b70\uff0c\u523067\u6b72\u6642\u5132\u84c4\u5341\u500d\u7684\uff38\u3002<\/p>\n\n\n<style>.kb-image6958_7ffdc9-7f.kb-image-is-ratio-size, .kb-image6958_7ffdc9-7f .kb-image-is-ratio-size{max-width:699px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image6958_7ffdc9-7f.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image6958_7ffdc9-7f .kb-image-is-ratio-size{align-self:unset;}.kb-image6958_7ffdc9-7f figure{max-width:699px;}.kb-image6958_7ffdc9-7f .image-is-svg, .kb-image6958_7ffdc9-7f .image-is-svg img{width:100%;}.kb-image6958_7ffdc9-7f .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image6958_7ffdc9-7f\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"876\" height=\"463\" src=\"https:\/\/vkl.umo.mybluehost.me\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_3.png\" alt=\"\" class=\"kb-img wp-image-6964\" srcset=\"https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_3.png 876w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_3-400x211.png 400w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_3-600x317.png 600w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_3-300x159.png 300w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_3-768x406.png 768w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_3-50x26.png 50w, https:\/\/e-krc.org\/wp-content\/uploads\/2024\/07\/76-howmuchmoneytoretire_article_image_3-18x10.png 18w\" sizes=\"auto, (max-width: 876px) 100vw, 876px\" \/><figcaption>\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-do-i-need-to-retire#:~:text=Fidelity's%20guideline%3A%20Aim%20to%20save,hope%20to%20have%20in%20retirement\">https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-do-i-need-to-retire#:~:text=Fidelity&#8217;s%20guideline%3A%20Aim%20to%20save,hope%20to%20have%20in%20retirement<\/a>.\uff09<\/figcaption><\/figure><\/div>\n\n\n\n<p>\u5bcc\u9054\u4f30\u8a08\uff0c\u9664\u4e86\u793e\u6703\u5b89\u5168\u798f\u5229\u4e4b\u5916\uff0c\u5132\u84c4\u9700\u8981\u8db3\u4ee5\u53d6\u4ee3\u9000\u4f11\u524d\u6536\u5165\u7684\u81f3\u5c1145%\u3002<\/p>\n\n\n\n<p>\u5f9e\u6211\u81ea\u5df1\u7684\u5c08\u696d\u77e5\u8b58\u548c\u591a\u5e74\u7684\u7d93\u9a57\uff0c\u5efa\u8b70\u8b80\u8005\u5728\u5de5\u4f5c\u751f\u6daf\u4e2d\u6bcf\u5e74\u81f3\u5c11\u5b58\u5165\u7a05\u524d\u6536\u5165\uff08\u5305\u62ec\u4efb\u4f55\u96c7\u4e3b\u914d\u5957\uff09\u768415%\uff0c\u8b93\u9000\u4f11\u751f\u6d3b\u4e0d\u81f4\u6709\u904e\u5927\u7684\u7d93\u6fdf\u58d3\u529b\u3002\u9019\u53ef\u80fd\u770b\u8d77\u4f86\u5f88\u591a\uff0c\u4f46\u5305\u62ec\u4e0d\u540c\u5e33\u6236\u7684\u6240\u6709\u9000\u4f11\u5132\u84c4\uff0c\u4ee5\u53ca\u4efb\u4f55\u96c7\u4e3b\u7e73\u6b3e\u3002\u5c31\u7b97\u7121\u6cd5\u6bcf\u5e74\u90fd\u9054\u5230\u9019\u500b\u767e\u5206\u6bd4\uff0c\u4e5f\u4e0d\u8981\u6709\u58d3\u529b\u3002\u53ea\u8981\u6301\u7e8c\u3001\u6709\u6046\u5fc3\uff0c\u7e3d\u6709\u8fa6\u6cd5\u8fce\u982d\u8d95\u4e0a\u3002\u4e0d\u8981\u56e0\u5e74\u8f15\uff0c\u60f3\u8457\u96e2\u9000\u4f11\u5c1a\u65e9\uff0c\u76ee\u524d\u9084\u6709\u8a31\u591a\u82b1\u8cbb\u548c\u8ca0\u64d4\uff0c\u7b49\u4ee5\u5f8c\u6536\u5165\u66f4\u591a\u3001\u5b69\u5b50\u9577\u5927\u3001\u623f\u8cb8\u4ed8\u6e05\u2026\u2026\uff0c\u518d\u505a\u6e96\u5099\u3002\u628a\u9000\u4f11\u5132\u84c4\u4e5f\u5217\u5165\u9810\u7b97\uff0c\u6709\u7d00\u5f8b\u5730\u9810\u5099\uff0c\u624d\u662f\u9577\u9060\u4e4b\u8a08\u3002<\/p>\n\n\n\n<p>\u6bcf\u4e00\u6bb5\u65c5\u7a0b\u90fd\u61c9\u8a72\u5f9e\u78ba\u5b9a\u76ee\u7684\u5730\u958b\u59cb\uff0c\u9000\u4f11\u4ea6\u7136\u3002\u77e5\u9053\u9000\u4f11\u7684\u76ee\u6a19\uff0c\u624d\u6bd4\u8f03\u5bb9\u6613\u5224\u65b7\u662f\u5426\u8d70\u5728\u6b63\u78ba\u7684\u9053\u8def\u4e0a\uff0c\u77e5\u9053\u5982\u4f55\u8abf\u6574\u65b9\u5411\u6216\u6b65\u8abf\uff0c\u4e26\u6301\u7e8c\u76e3\u63a7\u3002<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_52ef56-21, 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class=\"wp-block-media-text__content\">\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8a3b\uff1aThe Trinity Study 4% rule\u6cd5\u5247\uff0c \u76f8\u95dc\u4e2d\u6587\u4ecb\u7d39\u53ef\u53c3\u8003\u3002<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_338436-ac, .wp-block-kadence-advancedheading.kt-adv-heading6958_338436-ac[data-kb-block=\"kb-adv-heading6958_338436-ac\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6958_338436-ac mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6958_338436-ac[data-kb-block=\"kb-adv-heading6958_338436-ac\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6958_338436-ac img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6958_338436-ac[data-kb-block=\"kb-adv-heading6958_338436-ac\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading6958_338436-ac wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6958_338436-ac\"><\/h4>\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_ef8ac6-10, .wp-block-kadence-advancedheading.kt-adv-heading6958_ef8ac6-10[data-kb-block=\"kb-adv-heading6958_ef8ac6-10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6958_ef8ac6-10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6958_ef8ac6-10[data-kb-block=\"kb-adv-heading6958_ef8ac6-10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6958_ef8ac6-10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6958_ef8ac6-10[data-kb-block=\"kb-adv-heading6958_ef8ac6-10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading6958_ef8ac6-10 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6958_ef8ac6-10\">\u5ef6\u2b29\u4f38\u2b29\u95b1\u2b29\u8b80<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7f8e\u570b\u52de\u52d5\u5c40\u7684\u96c7\u54e1\u798f\u5229\u4fdd\u969c\u5c40\uff08Employee Benefit Security Administration\uff0c\u7c21\u7a31EBSA\uff09\u767c\u8868\u4e00\u7cfb\u5217\u95dc\u65bc\u5065\u5eb7\u3001\u9000\u4f11\u7b49\u798f\u5229\u7684\u6587\u7ae0\uff0c\u6709\u7e41\u3001\u7c21\u4e2d\u6587\u7248\u3002\u8acb\u4e0a\u7db2\u7ad9\uff1a<a href=\"https:\/\/www.dol.gov\/agencies\/ebsa\/about-ebsa\/our-activities\/resource-center\/publications\">https:\/\/www.dol.gov\/agencies\/ebsa\/about-ebsa\/our-activities\/resource-center\/publications<\/a>\u3002<\/li>\n\n\n\n<li>\u7f8e\u570b\u570b\u7a05\u5c40\uff08Internal Revenue Service, IRS\uff09\u5c08\u6587\uff08\u4e2d\u6587\uff09\u4ecb\u7d39\u8d8a\u65e9\u958b\u59cb\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u8d8a\u80fd\u5f97\u5230\u8907\u5229\u5e36\u4f86\u7684\u76ca\u8655\u3002\u8acb\u53c3\u8003<a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p4118zht.pdf\">https:\/\/www.irs.gov\/pub\/irs-pdf\/p4118zht.pdf<\/a>\u3002<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6958_8f836f-a7, .wp-block-kadence-advancedheading.kt-adv-heading6958_8f836f-a7[data-kb-block=\"kb-adv-heading6958_8f836f-a7\"]{margin-top:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6958_8f836f-a7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6958_8f836f-a7[data-kb-block=\"kb-adv-heading6958_8f836f-a7\"] 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