How Much Does the Middle Class Actually Need to Retire? (The Number Is BRUTAL) скачать в хорошем качестве

How Much Does the Middle Class Actually Need to Retire? (The Number Is BRUTAL)

Think you're on track for retirement? The median middle-class American aged 55-64 has $185,000 saved, but the actual number needed to retire comfortably is absolutely brutal. In this video, I break down exactly how much you need to retire based on real 2024-2025 data. I compare two profiles: someone earning the median household income of $90,100 versus someone at the top of middle class earning $180,000. Using current inflation rates, Social Security benefits, and the 4 percent rule, I calculate precisely what each person needs saved by age 65. The results will shock you. I'll show you why even high earners are falling dramatically short, what happened during the 2022 market crash and 2023 inflation spike that made everything worse, and most importantly, the realistic 80% replacement rate scenario that might actually be achievable. I break down specific monthly savings targets, catch-up contribution strategies, and the brutal truth about retirement planning that most financial advisors won't tell you. By the end, you'll know your exact number and what you need to do right now to close the retirement income gap. This isn't about fear, it's about facing the math while you still have time to fix it. 📌 Disclaimer: This video is for educational and entertainment purposes only and does not constitute financial advice. #financialfreedom #personalfinance #investing