The 3 Retirement Numbers You Actually Need
Your Money Guide on the Side
Tyler Gardner
4.9 • 2.4K Ratings
🗓️ 9 February 2026
⏱️ 37 minutes
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| 0:00.0 | The best time to plant a tree was 30 years ago, but the second best time is today. |
| 0:06.0 | Once you know your number, you can make a plan. |
| 0:08.9 | Once you have a plan, you stop spinning your wheels. |
| 0:12.5 | You stop wondering if you're doing it right. |
| 0:15.4 | You just do the math, save the money, invest intelligently. |
| 0:21.4 | Hello, friends. This is Tyler Gardner, welcoming you to another episode of your |
| 0:25.7 | Money Guide on the side, where it is my job to simplify what seems complex, add nuance to what |
| 0:31.5 | seems simple, and learn from and alongside some of the brightest minds in money, finance, |
| 0:37.3 | and investing. |
| 0:38.1 | So let's get started and get you one step closer to where you need to be. |
| 0:43.1 | Welcome back, my friends, to the show that makes personal finance feel just a little less like a root canal, |
| 0:50.0 | and more like a conversation you'd actually, maybe, want to have over coffee or while joining me for a walk in the woods of Vermont, although it's a little cold these days, so I'm taking this day to be inside. |
| 1:01.8 | I'm your host, Tyler, and today we're tackling the question that keeps people up at night more than I think most of us would like to admit. |
| 1:10.1 | How much money do I actually need |
| 1:12.8 | to retire? Or to have options. Or to just stop feeling like I'm one bad month away from having |
| 1:18.9 | to sell a kidney to fund my 70s. Great question, as always, because if there's one thing |
| 1:24.8 | that truly does drive me nuts about most retirement advice, |
| 1:28.3 | it's maddeningly vague. Save a million bucks. Aim for 10 times your salary, as if we only |
| 1:35.5 | have one salary throughout our lives. You'll need 70% of your pre-retirement income. Cool, |
| 1:41.7 | cool, and cool. But what does any of that actually mean for you with your |
| 1:47.5 | spending, your goals, your timeline? So today, we're going to calculate your actual number. |
| 1:56.0 | Not just some generic target pulled from a financial planning textbook written in 1987 and still sitting |
... |
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