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These videos are definitely motivating, thank you. If you get a chance, would be interesting to see what $780k adding 1k per month 7% COLA for 20 years could look like. :)

Could you run some numbers for me? Should I contribute more? Balance: 100k Monthly: 1k (+3% yearly increase) Inflation: 3% Age: 28 thanks!

I also started investing very late in my mid 30s. I knew that I needed to be saving a whole lot more than I would had I started a decade and a half earlier. I guess we live and learn.

That was fast! Thank you, you're doing a service for us when it doesn't make sense to see a financial planner. These are addictively motivating

I can't wait to see one of your videos on the daily. It is very addictive watching numbers grow.

As a retired senior, one thing that concerns me is the rate of wage inflation. Remember when it was announced that UPS drivers would received $178000 in annual salary. Truckers were all getting $100K+, and now fast food workers in California start at $20 an hour plus benefits. Unemployment is low so workers can demand higher pay. I wonder what the impact of those higher wages against those on fixed, retirement incomes?

Been enjoying this channel. I have 9000 at age 24, and want to retire by 60 (so let's round down to 35 years). I contribute 584 a month (let's round up to 600 a month), and this would increase by at least 3% a year. Inflation at 3% a year would be realistic too. Thank you 🙏

How does one cut back on medication?

i have $40,000 and i have expenses of $850+(560 wife pays)=1410 monthly bills before food what are my investment goals to live at 3-4K retirement

Factoring in inflation, 45 years of saving $100 per month would be $54,000 in total outlays, and average 1.2M at the end of 45 years but that would be worth less than 250k in today's buying power. oooof

the current economy and market are totally different than what's happened in the past. The post WW2 years are well behind us, and the middle class population continues to decrease due to inflation (printing money) and rising costs. About 5 high tech companies are holding the entire market up in the US. Social security will have to change by ~2030. the future does not look like the present. LOTS of assumptions in your excel model. ( i do like you are sticking with Excel 2013 however..LOL..)

500k isn't that much money. No way in hell enough to retire any kind of decent life. I'm 32 and am at 250k and feel like that isn't much

Yes

Your assuming being able to take care of yourself until you die. If one develops alzheimer's or dementi they'll be no longer able to take care of themselves or a place and often needs to move into a facility due to insomnia, anxiety, pacing, hallucinations, paranoia and confusion during the night. At which point it's going to cost on average around 6,000 a month on average not including hospital visits, dental care, and other quality of life costs.

I’m gonna need that template!🤣

Omg thank you for making this video for me. I didn't actually think you would run the numbers, but lo and behold you did! The currency I use is euros not pounds but dollars is just fine. I appreciate you making this video as I will keep going back to it for the next 20 years. You have no idea, you made my day!

It's all about expenses.

I know this may not be what you specialize in, but what do you think the next decade will be comparable to? The 20's 30's 80's or 2010s? DCA is the correct action no matter what?

Whenever I see numbers like these with a "Can I afford to retire?" question I always think what the heck kind of life-style do you have that needs that much money! I retired this year with a fifth of that and I'll be just fine ... assuming World War 3 doesn't wipe out my pension and investments. No debt, own my house and even with the ludicrous inflation we've had of late can still live on twelve hundred a month. Now that was only eight hundred a month two years ago so there is some worry factor I won't deny. But if things get that bad that the stock market ceases to function then not having any money left will likely not be a problem for long :chuckles:

Grateful for this spreadsheet. Very clear instructions. Cheers!

Great video. I really enjoyed you running the numbers. I'm not in the US but I invest for retirement just as if I was. I'm 40 years old and my investing portfolio's worth is around €120K. I invest €1300 a month between S&P500 ETF and 2 other securities. I'm very anxious about the future because I started my investing journey quite late at the age of 34, so six years ago. Then again I never thought I would cross €100K. I would like to retire as soon as possible knowing that we don't get to live forever. Also let me say that I only make around €2500/month, so I'm investing more than 50%.

Is the $500K assumed to be pre-tax (e.g., in an IRA, 401k, etc.) or is it after tax?

Great episode to do, well done.

Love your show. Do you take (or can you) rebalancing in the down years. i.e-60/40 in year 2000 or 1929 then rebalance to 60/40 year of down market?

Hi there - long time follower of the channel. I love how much the workbook has developed over time. I'd really love to have a copy of the workbook one day if you ever decide to make it available, so that I can run dozens of scenarios to account for different life situations (as opposed to providing you with one scenario at a time per video).... I hope that one day you consider publishing your workbook for download (or even purchase, which I'd happily buy). I know you've posted in the past that you want to clean it up and that there are several worksheets but honestly this workbook is amazing, and I've never seen anything else like it. Anyways kudos to you and please kindly consider sharing your workbook for us fans! May the Lord Jesus Christ bless you :)

Those are nice numbers, but please dont wait to be 60 years old to enjoy the money

Thx for the video. Also remember that social security has a yearly COLA adjustment too. So that would help to extend how long before the nest egg runs dry.

Sp 500 and voo sp 500 so basically same ? I can invest voo sp 500 and get same result ?

The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?

Lost me at 3% inflation rate 💀

Hi, can you run the exact same numbers, but this time if you invest in Berkshire Hathaway Inc Class B ? In order to see the difference between this two financial products.

Thank you so much! This was FAST, I appreciate your dedication to helping inform your viewers. If you ever need help with your spreadsheet as far as design goes or any computer questions please feel free and reach out (I am in IT).

love these videos! thank you for sharing

Can you run my numbers? starting balance $95k, age 30, investing $2k a month into the S&P 500; would like to retire in my 50s so maybe a 15,20,25,30 year horizon .. the investment amoun will likely scale up several hundred after 5 years of pay increases

Is this savings only? most money is inside the brokerage account under 401k or ROTH.

People with a good pension and Social Security have little reason to worry about having the magical mythical "required" 1 Million. Better to save what you can but enjoy life along the way. These simulations are bogus because folks are not likely to be invested so aggressively as they get closer to retirement.

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.

Let me tell you now. If you are young the number to invest for is 5 to 7 million.

I dont know how old your computer is but your operating system is running off of a old hard drive. Get yourself a solid state drive and transfer everything to that SSD via cables. Your calculation takes way to long for that harddrive to compute.

You didn’t save when you were young , how can YOU give advice on it. You need to tell people “ok when you hit 40 you better start saving” ya know , reality

What's a million worth?

Keep in mind that 3.2 percent figure is based on estimates from the 2019 federal reserve survey of consumer finances. That also is for "tax advantaged retirement accounts." Probably 10 percent or more retire with 1 million plus in financial assets. Also the 2022 survey of consumer finances has yet higher figures suggested. The last two years of stock market growth will make the figure a lot higher when an updated estimate comes out based on where things are at present.

Beginning balance 1.4 million. Monthly contribution 3k. 4.2% withdrawal rate. 3% COLA. Age 38. Retirement at 55.

Could you run numbers for 150k balance, 30 years to retirement no additional contributions. Thanks

thank you so much for running my numbers my goal has been to get to the 100k before 30 and im almost there but it is tough and saving this hard has been exhausting i just needed a little more motivation and in a way its kinda the light at the end of the tunnel knowing i can coast from now on and ill be good to go at 60

I'm 42 yrs old if I save 1000 a month how much would I need to become millionaire at 65?

So true. Get there however you can. It makes 20 years later and beyond so much easier.

Love this channel!

I have another series of numbers - just accumulation phase please and thank you: Starting balance - $740,000 Monthly contribution - $8000 No COLA contribution 25 years term

This is great! Thanks!