Tính toán số tiền cần tiết kiệm cho việc nghỉ hưu. Thiết lập mục tiêu hay số tiền hưu trí. Làm việc với chuyên gia hoạch định tài chính. Nếu ở Mỹ, hãy tham gia chương trình hưu trí do người sử dụng lao động cung cấp.

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The myth of early retirement savings is you need to save somewhere between $5 – $10 million dollars to never have to work again. But this is a general number that may not apply to your financial situation or your lifestyle. A more accurate formula is to take your annual spending and multiply it by somewhere between 20 and 50. The large range allows you determine how much you need to save, based on your particular lifestyle. The higher this number is, the safer your investments will be. You will have less of a chance of running out of money during your early retirement.  For example. If you make $30,000 per year, you might need between $600,000 and $1,500,000 in savings The safe withdrawal rate is how much you can afford to take out from your savings and investments every year, if you no longer work. So if you multiply your annual spending by 50, you’re using a 1 – 2% safe withdrawal rate. You will have 1 – 2% of your investments to spend annually, possibly forever, once you retire. Using the safe withdrawal rate would mean saving more money and withdrawing a smaller amount. This would give you a higher chance that your investments will grow faster than inflation.  Withdrawal rate, in order to avoid invading corpus, must be less than returns plus any taxes owed. Inflation and changes in the market are hard to predict and will affect how much your savings will be worth by the time you are in your 30s and ready to retire. But according to the Trinity Study, which looked at how much a person would need to save to weather possible inflation, market crashes, or other financial issues, a 4% withdrawal rate is a safe bet for most individuals looking to retire early. A 4% withdrawal rate would be a spending multiple of 25. A 4% withdrawal rate means you don't need to save up as much money as you would for a 1-2% withdrawal rate. Using the 4% withdrawal rate, decide how much money you will need to save to retire successfully and comfortably. This will depend on other factors, such as how many individuals there are in...