Are You on the Right Track to Retire?

If we're going to retire in our forties, we need a lower safe withdrawal rate than the traditional four % would suggest. We think that we should have a withdrawal rate somewhere around two, two and three quarters. And what we said is based on our earning years, if we know that every year were ginto get about one and a half % increase in pay,. When we retire, when we enter into financial independence, we wount to have a pot of money big enough to replace 60 % of our pre retirement income.