Retire 25x

You can retire when your invested portfolio equals 25× your annual spending — that's the 4% rule. The Trinity Study (1998) analyzed 1926-1995 market data and found that a 4% annual withdrawal rate (inflation-adjusted) has a 95%+ success rate over 30-year horizons, assuming a 60/40 stock/bond mix. $50K annual spend = $1.25M needed. $100K spend = $2.5M. The math doesn't care what industry you work in. FIRE (Financial Independence, Retire Early) is just math applied consistently over time. Subscribe for daily money breakdowns. #retirement #investing #moneyzaur #short

Added 6 Aug 2026