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How much do you need in your pension to retire at 60 on £30,000 a year? Most people guess somewhere around £750,000. And if you’re working from the standard 4% rule — that’s exactly where you’d land. But that number doesn’t tell the whole story. 🔵 It doesn’t account for the State Pension. 🔵 It doesn’t account for a realistic withdrawal rate. 🔵 And it doesn’t account for the fact that your pot doesn’t have to do the same job every single year of retirement. When you factor all of that in, the
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The account was not empty. But it was all spoken for. Rent due Friday. Insurance due Monday. Phone bill due Wednesday. That feeling of having money but not being able to touch it has a name. It is called being cash flow poor. And it is different from being broke. The fix is not earning more. It is timing. Aligning when your money arrives with when your bills leave. When I restructured my payment dates everything changed. The account looked the same. But it finally felt like mine. You are not bad
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