How to Calculate Your EXACT Early Retirement Number (Simple Formula)

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

Ari Taublieb, CFP®, MBA

Real Estate Investing, Stock Investing, Careers, Save On Taxes, Retirement, Business, Personal Finance, Investing, How To Retire, Early Retirement, Retirement Planning, Entrepreneurship

4.7 • 583 Ratings

🗓️ 23 June 2025

⏱️ 19 minutes

🔗️ Recording | iTunes | RSS

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Summary

Retirement doesn’t come down to a magic number, it comes down to your number. In this episode, we walk through a simple, personalized framework to help you understand when you can truly retire, based on what you want life to look like, not generic benchmarks. We cover the core question: How much do you want to spend each month? From there, we reverse-engineer your retirement target, factoring in taxes, withdrawal strategies, estate planning, and those big one-time expenses that often get miss...

Transcript

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0:00.0	There are a lot of assumptions that you must consider when you're talking about retiring early.
0:04.9	The issue is many people consider these assumptions and then they go even further and get the
0:09.6	analysis paralysis and go, wow, there's so many factors here. I really just can't play on retiring
0:15.0	early. I don't know how much is enough and I'm just going to keep working because it's easier.
0:19.3	I don't want to run out of money and I don't
0:21.6	hate my job. Maybe I would love to do other things, but I feel like I'm only going to be able to make
0:26.4	this amount of money in my high earning years for so long. I'd rather just keep working and be
0:31.7	extra safe. I hear that a lot. There's a big risk to that. And what I'm going to do today is show
0:36.9	you a framework so that you can hopefully think really a big risk to that. And what I'm going to do today is show you a framework so that
0:37.9	you can hopefully think really clearly about how to retire early. And I'm going to do it for you in the
0:42.8	next 10 minutes. Now, if you're new to the show, sometimes I will have a large case study where I'll
0:49.8	literally go through an example and show them exactly how much they should convert for optimal tax purposes,
0:56.1	do a Roth conversion. I'll talk about health care. I'll talk about estate planning. I'll talk about
1:00.2	insurance. Today is not that. Today is a very simple framework. It's very simple episode that hopefully
1:05.8	removes a lot of head trash. Head trash is the phrase that I talk about when people reach out and say, yeah,
1:11.4	there's no way I can retire early because I don't have $3 million, so I'm just going to keep working.
1:15.6	And I'll say that is complete head trash. You have no idea if your neighbor who has $3 million
1:20.7	wants a second home. If they spend three times as much as you, if they're not optimizing their
1:26.1	situation, you might not need
1:28.0	three million. You might need one million and you might be able to retire early. It totally depends
1:32.6	on you and your goal. So don't have the cookie cutter approach, don't have head trash. Now here's
1:38.7	the framework and I'm going to keep it really simple for you guys. So too many people go, I don't
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