需要多少钱才能退休 - 美国

Mar 16, 2025·

Haihao Sun

· 2 min read

书接前文，上次谈到要计算多少钱能退休，现在通过和 chatgpt 以及网络搜索的汇总以后，我得到以下一些思考。

一个人活到老的版本: 每年要花多少钱的计算，按美金计算

Category	Monthly Cost ($)	Annual Cost ($)
Housing	2,000	24,000
Food	2,000	24,000
Transportation
- Car Insurance	150	1,800
- Gas	150	1,800
- Maintenance	30	360
Total Transport	330	3,960
Healthcare
- Insurance	468	5,616
- Out-of-Pocket	250	3,000
Total Healthcare	718	8,616
Entertainment & Leisure	150	1,800
Other Bills
- Phone	25	300
- Internet	100	1,200
- Clothing	100	1,200
Total Other Bills	225	2,700
TOTAL EXPENSES	5,423	65,076
FIRE Number (3% Rule - 33.3x Annual Expenses)	$2,167,030

Category	Cost Estimate (USD)
Marriage	$25,000 - $100,000+
- Venue & Catering	$10,000 - $30,000
- Wedding Dress & Suit	$1,500 - $5,000
- Photography & Videography	$2,000 - $7,000
- Wedding Rings & Jewelry	$5,000 - $20,000
- Decorations & Planning	$3,000 - $10,000
- Honeymoon	$5,000 - $15,000
Buying a House	$200,000 - $1,200,000+
- Down Payment (20%)	$60,000 - $200,000
- Mortgage (30-year)	Interest Rate: 6%-8%
- Property Tax & Insurance	$3,000 - $10,000/year
- Maintenance & Renovation	$10,000 - $50,000
Raising a Child (0-18 years)	$250,000 - $400,000+
- Birth & Hospital Costs (with insurance)	$2,000 - $5,000
- Birth & Hospital Costs (without insurance)	$10,000 - $30,000
- Infant & Toddler (0-3 years)	$12,000 - $20,000/year
- School Age (4-12 years)	$10,000 - $15,000/year
- Teenager (13-18 years)	$12,000 - $20,000/year
- College (Public)	$25,000 - $40,000/year
- College (Private)	$50,000 - $80,000/year
FIRE Retirement	$1,200,000 - $3,000,000+
- Monthly Living Costs	$3,000 - $6,000
- Healthcare & Insurance	$500 - $2,000/month
- Travel & Leisure	$500 - $3,000/month
FIRE Target (4% Rule)	$1.2M - $3M+
FIRE Target (3% Rule - More Conservative)	$2.2M - $3.5M+

Last updated on Mar 16, 2025