For a quick estimate, to retire before age 62, Fidelity’s guideline suggests aiming to save 33 times (33x) your expenses, assuming an annual withdrawal rate of 3%. For example, Richard is 45 with annual expenses of $75,000. To retire early, he could aim to save 33 times $75,000, or $2.475 million. With a 3% withdrawal rate, he’ll be able to take out $74,250 in the first year of retirement.

感觉这些理财顾问都是放狗屁。