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.

Mastering a budget can feel overwhelming but the fifty thirty twenty rule gives you a simple and realistic framework to follow that can transform your financial life 💰📊 This picture breaks down how to use the fifty thirty twenty method with both monthly income amounts and yearly income amounts so you can see how your money can be organized with clarity. When you understand how to divide your income into needs wants and saving categories your financial decisions become easier and more intentional. The fifty thirty twenty rule helps you take control of overspending and gives you a clear guideline for how much of your income should be going toward necessities and how much should be saved or invested. Needs are the required expenses that keep your life stable such as housing transportation groceries and insurance while wants are the flexible lifestyle choices that often drain your budget without you noticing. The remaining portion of your income goes toward savings and investing which is the category that actually builds long term wealth and moves you closer to financial independence. This budgeting method is powerful because it adapts to your income level and helps you stay consistent in your monthly financial habits 💡✨ Whether you make four thousand per month or twenty five thousand per month the percentages stay the same which keeps your financial structure predictable. It also helps reduce stress by making your money feel more organized which is one of the biggest benefits of the fifty thirty twenty budgeting system. If you are working toward investing more in your future this system can make your saving and investing goals easier to automate and track 📈🔥 It is a great starting point for anyone who wants more stability or wants to understand how their spending compares to healthy financial benchmarks. Consistency with this rule often leads to better cash flow habits and more confidence with investing. If you want to see the dividend portfolio that helps me grow my long term wealth comment Stocks and I will send you the link 📩 This content is for educational purposes only and is not financial advice.

In the 1920s, a strange but fascinating idea floated through American imagination: using hippos as a form of transportation—an “Uber” of the era, in a sense. The concept stemmed from a real proposal a decade earlier to import hippopotamuses into the U.S. to solve both a meat shortage and a water hyacinth problem in the South. By the 1920s, this notion had taken on a more whimsical life in pulp fiction and satire, imagining well-dressed flappers and gangsters riding semi-domesticated hippos through flooded streets or across bayous like living water taxis. These “hippo Ubers” became the stuff of surreal humor and alternative-history speculation, blending American ingenuity with exotic absurdity—though, of course, in reality, the plan never left the shores of fantasy.

Election Day is here, and if you haven’t already mailed in your ballot or gone in for early voting, you might need a ride on November 5. We're rounded-up all the freebies, discounts, and information on getting to the polls that transportation companies are offering. - Lime is offering free rides to and from your polling place to vote early or on Election Day. Riders can use the promo code VOTE2024 to get two free 30-minute rides in the U.S. - Bird and Spin are also offering two free rides as part of their Roll to the Polls initiative. Riders can use the code RockTheVote2024 in the app. - Lyft is dishing out 50% discounts (but capping out at $10 — classic) to riders heading to the polls. Users can preload the ride code VOTE24 on or before November 5. And this not only goes for ride-hail, but also bikeshare (like Citi Bike) and scootershare. - Uber is also offering riders 50% off trips (again, only up to $10) to their polling places when they click on the “Go Vote!” tile in the Uber app. Head to the link in the bio for the full list of companies offering freebies, discounts, and information this Election Day 👆 #TechCrunch #technews #ElectionDay #transportation #Google #Uber #Lyft

𝙆𝙚𝙙𝙖𝙧𝙣𝙖𝙩𝙝 𝘿𝙝𝙖𝙢 𝙔𝙖𝙩𝙧𝙖 𝙋𝙧𝙚𝙢𝙞𝙪𝙢 𝙋𝙖𝙘𝙠𝙖𝙜𝙚 𝙀𝙭.𝘿𝙚𝙡𝙝𝙞 Kedarnath - One Of The Most Revered Temple Destination Of India, Nestled In The Mighty Garhwal Himalayas Is Waiting For You! Come and Let's get divine with Lord Shiva 🕉 𝗧𝗼𝘂𝗿 𝗣𝗮𝗰𝗸𝗮𝗴𝗲 𝗛𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁𝘀:- ☆ Stay at One of the luxury campsite in Guptkashi 🏕 ☆ Modified Tempo Travellers for your comfortable Transfers 🚐 ☆ Small Batches, More Enjoy 😉 ☆ Bunk Bedded Accommodation At Kedarnath 🛌 ☆ No Age Limits - Join In With Your Parents As Well 🧑‍🦳 ☆ Completely Safe For Solo Travellers 💁‍♀️ ☆ Experienced Tour Guides 🙋‍♂️ ☆ 24/7 Telephonic Support 📲 𝗤𝘂𝗶𝗰𝗸 𝗶𝗻𝗳𝗼:- ▪︎ Departure Day: Every Thursday & Friday ▪︎ Departure Time: 9 PM (Thursday/Friday) ▪︎ Departure Point: Delhi ▪︎ Arrival Time: 11 PM (Monday/Tuesday) ▪︎ Route: Delhi - Rishikesh - Guptkashi - Kedarnath - Guptkashi - Delhi ▪︎ Duration: 4 Days & 3 Nights ▪︎ Transportation: Delxue Bus/Tempo Traveller ▪︎ Stay type: A-Grade Hotel/Camps and Bunk Beds on Sharing Basis at Kedarnath ▪︎ Total Trek: 36 Kms To and Fro 𝐏𝐚𝐜𝐤𝐚𝐠𝐞 𝐂𝐨𝐬𝐭 𝐏𝐞𝐫 𝐏𝐞𝐫𝐬𝐨𝐧:- 𝐐𝐮𝐚𝐝 𝐒𝐡𝐚𝐫𝐢𝐧𝐠 𝐁𝐚𝐬𝐢𝐬: 𝟏𝟒,𝟓𝟎𝟎/- 𝐓𝐫𝐢𝐩𝐥𝐞 𝐒𝐡𝐚𝐫𝐢𝐧𝐠 𝐁𝐚𝐬𝐢𝐬: 𝟏𝟓,𝟓𝟎𝟎/- 𝐃𝐨𝐮𝐛𝐥𝐞 𝐒𝐡𝐚𝐫𝐢𝐧𝐠 𝐁𝐚𝐬𝐢𝐬: 𝟏𝟔,𝟓𝟎𝟎/- 𝐊𝐢𝐧𝐝𝐥𝐲 𝐍𝐨𝐭𝐞: 𝟓%𝐆𝐒𝐓 𝐄𝐱𝐭𝐫𝐚 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐛𝐥𝐞 𝗕𝗼𝗼𝗸 𝗬𝗼𝘂𝗿 𝗬𝗮𝘁𝗿𝗮 𝗣𝗮𝗰𝗸𝗮𝗴𝗲 𝗡𝗼𝘄 𝗔𝘁 𝗝𝘂𝘀𝘁 𝗥𝘀.𝟱𝟬𝟬𝟬/- 𝗔𝗻𝗱 𝗥𝗲𝘀𝘁 𝗔𝗺𝗼𝘂𝗻𝘁 𝟳𝟮 𝗛𝗼𝘂𝗿𝘀 𝗕𝗲𝗳𝗼𝗿𝗲 𝗧𝗵𝗲 𝗧𝗿𝗶𝗽 𝗖𝗼𝗺𝗺𝗲𝗻𝗰𝗲𝗺𝗲𝗻𝘁. 𝗙𝗼𝗿 𝗠𝗼𝗿𝗲 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻: 𝗖𝗮𝗹𝗹 𝗢𝗿 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝗨𝘀: 𝟵𝟲𝟮𝟱𝟬𝟱𝟲𝟭𝟮𝟮 𝗢𝗿 𝟵𝟯𝟱𝟱𝟮𝟮𝟬𝟳𝟳𝟱 𝗜𝗻𝗳𝗼@𝘁𝗵𝗲𝘁𝗿𝗶𝗽𝗽𝗲𝗿𝘀.𝗰𝗼.𝗶𝗻 𝘄𝘄𝘄.𝘁𝗵𝗲𝘁𝗿𝗶𝗽𝗽𝗲𝗿𝘀.𝗰𝗼.𝗶𝗻

The 20/4/10 rule is a simple way to check if you can truly afford a car 🚘. It suggests you should put down at least 20 percent, finance the vehicle for no more than 4 years, and make sure all car expenses stay under 10 percent of your monthly income. When you apply this to a Rolls Royce Cullinan priced at $409,877, the numbers become eye opening. With insurance, fuel, maintenance, and loan payments, the monthly cost adds up to nearly $10,000. Following the 20/4/10 rule, you would need an annual income of about $1.2 million just to responsibly afford this luxury SUV 💸. That includes an upfront down payment of around $81,975 and strict limits to make sure transportation expenses do not crush your budget. For most people, these numbers show why financial rules of thumb are so important. They help keep your dreams grounded in reality while protecting your long term financial health. Rules like 20/4/10 are not about telling you what you cannot buy. Instead, they act as a guide so that large purchases do not stop you from building wealth in other areas. If you want financial freedom, aligning your spending with smart principles ensures you can enjoy life while still investing for the future. Cars lose value over time, but investments have the power to grow 🌱. If you want to see the exact stocks I am holding in my portfolio right now, comment “Stocks” below and I will send you the link 🔗. Now let me ask you, would you ever buy a car like this if your income supported it, or would you prefer to invest that money and grow it into something much bigger? 🤔 For more money tips, investing strategies, and personal finance insights, make sure to follow me @MasteringWealth 🚀. Disclaimer: This content is for educational purposes only and not financial advice. Always do your own research or consult with a licensed professional before making financial decisions.

Buying a new car feels exciting 🚗✨ but it often comes with financial consequences that most people overlook. In this example, Jack puts $5,000 down and finances a brand new car, leaving him with a $436.45 monthly payment for six years. Meanwhile, Jill chooses to buy a $5,000 used car and instead invests the same $436.45 each month. Fast forward six years and Jack owns a car worth $10,500 while Jill has an investment account worth $44,450.71 📈. The lesson here is that cars are depreciating assets. The moment you drive a new car off the lot, it begins to lose value. Investing that same money instead allows compound interest to work in your favor and build wealth over time. This does not mean you should never buy a car, but it shows why keeping your transportation costs low is such an important wealth building strategy. When you compare the two approaches side by side, it becomes clear that the opportunity cost of financing a new car is massive. Jill ends up with not only a functioning vehicle but also an investment account that puts her years ahead financially. Imagine repeating this same principle over a lifetime, redirecting payments into stocks or index funds instead of luxury upgrades. Small decisions like this are what separate people who struggle from those who achieve financial freedom 💰. If you want to see the exact stocks I am holding in my portfolio right now, comment “Stocks” below and I will send you the link 🔗. Now let me ask you, would you rather drive the newest car on the block or build wealth that could one day buy you financial independence? 🤔 For more insights on money management, investing, and smart financial choices, make sure to follow me @MasteringWealth 🚀. Disclaimer: This content is for educational purposes only and not financial advice. Always do your own research or consult with a licensed professional before making financial decisions.

Ecuador’s right-wing president, Daniel Noboa, announced that he will eliminate the state subsidy for diesel fuel. During the two election campaigns he has participated in, Noboa promised that he would not eliminate the diesel subsidy because it would “generate inflation”. However, on September 12, a group of ministers informed the entire country about that exact measure. In fact, although it has been a tradition for presidents to personally announce such measures, Noboa decided not to appear on camera to report on the controversial decision. Instead, four cabinet ministers announced that the elimination of the subsidy would be offset by various measures, such as providing financial assistance to more families and subsidizing public transportation to prevent fare increases, among others. 📲 Read the full article on our website.

By noon on September 18, approximately 450,000 people had taken to the streets and workplaces across France. Coming just a week after nationwide blockades under the slogan “Let’s Block Everything” (Bloquons tout), Thursday’s strikes and assemblies were called by trade unions and confederations determined to resist another round of austerity measures. “There are thousands and thousands of strikes in all workplaces,” Sophie Binet, head of the General Confederation of Labor (Confédération générale du travail, CGT), said during one of the marches. “Schools are largely closed. Daycare centers, swimming pools, libraries, and many factories are closed. The entire transportation sector is also affected by strikes. In short, today workers are rising up to say that they can no longer endure this endless night of Macronism.” 📲 Read the full article on our website.

Looking for an adventure of a lifetime? Join Spiti Valley Winter Expeditions and experience the magic of the Himalayas like never before. Our expeditions take you on a thrilling journey across the majestic Spiti Valley, known for its rugged terrain, stunning vistas, and rich cultural heritage. With our winter expeditions, you get to explore Spiti when it's at its most serene and peaceful, covered in a blanket of snow that transforms the landscape into a winter wonderland. Experience the warmth of local hospitality as you stay in traditional homestays and interact with the friendly people of Spiti Valley. Marvel at the region's picturesque Buddhist monasteries, frozen waterfalls, and frozen lake surfaces. Trip Overview:- • Trip Duration: 6N/7D • Trip: Delhi - Shimla - Chitkul - Kaza - Kalpa - Delhi • Transportation: Toyota Innova, Tempo Traveler • Stay: Hotel, Home stays & Camping • Start & End Day: Saturday • Start & End Point: Delhi • Tour Type: Private & Group Departures So what are you waiting for. Join us on a journey that will leave you with memories to treasure for a lifetime. Book your Spiti Valley Winter Expedition today! For Enquiries: Call/WhatsApp: 9625056122 www.thetrippers.co.in Info@thetrippers.co.in #spitivalley #spitidiaries #himachalpradesh #shimla #winter #snow #kalpa #thetrippers #incredibleindia #dekhoapnadesh #beautifuldestinations #spitilife