Figuring out how much money you need to retire can feel overwhelming, but this graphic breaks it down into a simple formula that anyone can understand. The key is knowing your monthly expenses and then calculating your yearly spending. From there you can use the four percent rule to estimate the total amount you need invested to retire comfortably. In this example the monthly expenses are four thousand six hundred forty dollars which adds up to fifty five thousand six hundred eighty dollars per year. When you multiply that number by twenty five you get a retirement number of one million three hundred ninety two thousand dollars. This number represents how much money you would need invested so that a four percent withdrawal rate could support your lifestyle. The four percent rule is based on historical market performance and is used as a guideline for safe withdrawals in retirement. It provides a way to estimate how much money your investments can generate each year without running out too quickly. While the exact amount will vary from person to person the formula gives you a starting point for retirement planning. Knowing your retirement number helps you map out your journey toward financial independence. It makes your goal feel more realistic because you have a target instead of guessing. Once you know how much you need you can reverse engineer a plan and adjust your savings rate and investment strategy. The expenses shown in the chart also remind you that your retirement plan must reflect your real lifestyle. Housing, groceries, transportation, healthcare, subscriptions, entertainment, and personal care all play a role in your overall number. The more accurately you track your expenses the more accurate your retirement calculation will be. If you want to see my dividend portfolio which helps me build long term wealth and move closer to financial independence, comment “Stocks” and I will send you the link. ⚠️ This content is for educational purposes only and is not financial advice. Always do your own research or consult a licensed professional before making financial decisions.

📸 Creative Photo Ideas You Must Try!🫶🏻 Save it & give it a shot! ❤️ Share with your friends — let them get inspired too! 🎥 Credit: @youneszarou Follow @making_camera_easy for more creative content! #️⃣ #Photography #Creative #CreativePhotography #ArtCreative #Amazing #ArtLovers #Flowers #PhotoArt #FlowersPhotography #ArtAmazing #Love #MobilePhotography #Clouds #fixthephoto #ShotOniPhone #Tutorial #Art #Photo #PhotoOfTheDay #Photographer #Mirror #Reels #Ideas #NewArt #Reverse #ReelsInstagram #Trending #Explore

It doesn’t matter if you earn $2k or $20k per month... without a plan, money slips away. The key isn’t copying someone else’s budget but finding a system that aligns with your income, habits, and goals. Once you match the right plan to your lifestyle, you stop stressing about money and start building financial control. Here are some examples: 🔥 1. Zero-Based Budgeting - Every single dollar you make is given a job. The aim of a zero-based budget is to make sure that your income MINUS (expenses/investments/savings) equals zero every month. So if you make $3k in a month, you will plan out where every dollar will go. 🔥 2. 50/40/10 Aggressive Wealth Budget This is a great plan for high-income earners who want to build wealth and aim for early retirement. 50% of Income - NEEDS (rent, car, etc) 40% of Income - INVESTMENTS 10% of Income - WANTS (vacation, movies, etc) 🔥 3. The Reverse Budget This plan takes a "pay yourself first" approach. It offers the most flexibility. Instead of focusing on monthly expenses, it focuses on what really matters for your future: investing. Example: Investing 20% of all income and then live on whats left. 🔥 4. The Cash Envelope Method Step 1: Plan out your expenses. Step 2: Take out all of your money in cash Step 3: Separate the cash into different envelopes for different categories. Step 4: You can only spend what is in the envelopes. This plan is great for over-spenders. 🔥 5. 50/30/20 Budget Plan This popular budget plan has more flexibility baked in. The idea is that you'd divide your monthly after-tax income into the following categories: - 50% Needs (Housing/Car/Food) - 30% Wants (Vacation/Movies/Bar) - 20% Saving/Investing/Paying Debt 🔥 I built a new AI money tracking tool to help you track your stacking without confusing spreadsheets. Comment “STACK” and you can try it for free for 90-days.

If kids drawings were real😅 Share with your Friends ❤️ Credit @thingsihavedrawn Follow @making_camera_easy for more #photography #creative #creativephotography #sunset#sunsetphotography #sunsetlovers #flowers #love #mobilephotography #clouds #punch #shotoniphone#tutorial #art #bts #photo #photooftheday #photographer#mirror #reels #ideas #water #reverse #reelsinstagram#trending #explore #reality #instagram

If kids drawings were real😅 Share with your Friends ❤️ Credit @thingsihavedrawn Follow @making_camera_easy for more #photography #creative #creativephotography #sunset#sunsetphotography #sunsetlovers #flowers #love #mobilephotography #clouds #punch #shotoniphone#tutorial #art #bts #photo #photooftheday #photographer#mirror #reels #ideas #water #reverse #reelsinstagram#trending #explore #reality #instagram

Aging takes a toll on the heart, especially for those living a sedentary lifestyle. Over time, the left ventricle stiffens, making it harder to pump blood effectively. But new research shows there’s a way to turn back the clock. According to the study, just two years of consistent exercise can reverse 20 years of heart aging. High-intensity interval training and endurance workouts boost flexibility in the heart, improve blood flow, and even reduce the spread of harmful cells in the body. The best part? These benefits aren’t limited to athletes or the young. Even when started in middle age, regular training strengthens the heart, lowers resting rate, and restores its peak performance — especially before age 65. Your heart is more adaptable than you think. Follow for more 👉 @mindset.therapy

A breakthrough in conservation just made history—Australia has officially approved the world’s first chlamydia vaccine for koalas. Developed over a decade by the University of the Sunshine Coast, the single-dose shot reduces mortality by at least 65%. Chlamydia affects nearly half of some koala populations, leading to blindness, infertility, and even death. Combined with habitat loss, bushfires, and climate change, infections have pushed koalas onto the endangered list. Tested on more than 500 koalas, the vaccine not only lowers infection rates but can even reverse symptoms. For the first time, there’s real hope of protecting one of the planet’s most beloved species. Follow for more 👉 @mindset.therapy

Eighteen years ago, this father walked across the graduation stage with his infant daughter cradled in his arms. This year, that same daughter crossed her own graduation stage—this time with her proud father beside her, roles reversed as they recreated the unforgettable moment! The heartwarming photos have since gone viral, capturing a beautiful full-circle milestone and serving as a powerful reminder of how swiftly time passes—and the enduring strength of a father’s love. - #history #thenandnow #wholesome #photography #graduation #positivevibes #explore

A Berlin-based startup is betting on the idea that death might not be permanent. Tomorrow Bio offers cryopreservation, cooling the body to around –196°C in liquid nitrogen after legal death, with the hope that future medical advances could one day reverse the process.⁠ ⁠ For roughly $200,000 for whole-body storage, or about $83,000 for the brain alone, plus a modest monthly membership, clients get 24/7 access to mobile medical teams. These retrofitted ambulances act as surgical suites, beginning the process immediately to prevent ice crystal damage. Bodily fluids are replaced with a cryoprotective “medical-grade antifreeze” before slow cooling to final storage in Switzerland, where the bodies can be preserved indefinitely without electricity.⁠ ⁠ The company says six people and five pets have already been preserved, with about 650 members signed up, most in their 30s to 40s, often tech professionals. In 2025, Tomorrow Bio plans to expand into the U.S., aiming to make cryonics more accessible and reduce costs over time. Demand, they say, has been fueled by growing interest in life extension and by the COVID-19 pandemic, which heightened public awareness of mortality.⁠ ⁠ Supporters compare cryonics to once-unthinkable medical advances like organ transplants, arguing that the procedure could give even a small chance of revival versus none at all. Critics counter that no organism with a human-level brain has been revived, and that decomposition begins as soon as the heart stops, making the process biologically implausible.⁠ ⁠ The company stresses there are no guarantees, and revival might take 50, 500, or even 1,000 years if it is possible at all. But for those drawn by the possibility of “time travel” into the future, indefinite preservation without ongoing power offers a tantalizing gamble against the finality of death.⁠ ⁠ #tech #biotech #cryonics #innovation #futuretech #medicaltechnology #startups #lifeextension #sciencenews

Amazing!✨ which one is your favorite? 1-10✨ share with your Friends 🤍 Photos @fotografothiagodpereira Follow @making_camera_easy for more #photography #creative #creativephotography #sunset#sunsetphotography #sunsetlovers #flowers #love #mobilephotography #clouds #punch #shotoniphone#tutorial #art #bts #fixthephoto #photooftheday #photographer#mirror #reels #ideas #water #reverse #reelsinstagram#trending #explore #reality #instagram