How Much Money You Actually Need to Retire

Описание: Most people think they will retire at 65 or 67.

The problem is: retirement isn’t an age — it’s a number.

In this video we break down the math behind financial independence in Europe and calculate how much money you actually need to retire using the 4% Rule.

If your investments can generate enough cash flow to cover your lifestyle, work becomes optional.

📊 In this video you'll learn:
• Why the traditional retirement age is a trap
• The Trinity Study and the logic behind the 4% Rule
• The Freedom Formula to calculate your personal retirement number
• Why reducing expenses by €100/month can lower your target by ~€30,000

🛠 Free Tool — Expense Tracker
To calculate your Freedom Number, you need to know your real expenses.

I built a simple tracker to help you map them clearly.

Download it here:
https://www.mateperform.com/expense-t...

📐 The Core Formula

Expenses × 25 = Freedom Number

This is the approximate portfolio size required to sustain your lifestyle using a 4% withdrawal rate.

About Rich in Ten

I'm Marco, an engineer and director.
On this channel we explore the path to financial independence in Europe — focusing on systems, data, and long-term thinking.

No hype. Just what actually works.

Disclaimer: I am a coach, not a financial advisor. This content is for educational purposes only.

#FIRE #FinancialIndependence #EarlyRetirement #4PercentRule #InvestingEurope