The 4% rule is one of the most widely shared retirement “rules” — but here’s the problem: Real life isn’t a straight line. You won’t spend the same in your 60s as you will in your 80s. Your lifestyle changes. Your priorities change. Your health, travel plans, family commitments — all of it changes. So relying on a fixed percentage doesn’t tell you what you can actually spend or whether you’re missing out on living the life you want now. Good financial planning is flexible. It adapts to your life

How much money do you REALLY need to retire? A simple rule of thumb: 30–40× your annual expenses Example: If you spend ₹1,00,000/month → ₹12,00,000/year Retirement corpus ≈ ₹3.6–4.8 crore Why this works: 1. A 4–5% safe withdrawal rate can comfortably sustain expenses 2. Corpus can last till 85 years 3. Principal likely stays intact Key Takeaways: 1. Calculate annual expenses → multiply by 30–40× 2. Adjust multiple upward if lifestyle costs are higher 3. Ensure big-ticket goals (education, house)

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