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The response to the question, "How much do I need to retire?" is a crucial part of retirement planning. The answer varies by person, and it depends largely on your income now and the lifestyle you want in retirement. Two items are highlighted by research released by Schwab Retirement Plan Services in 2019. Next, 401(k) participants think they need, on average, $1.7 million to retire. And secondly, a number of them are not on track to even get there.Why is that the case? There may be multiple causes. But not knowing how much to save, when to save it, and how to make those savings grow can create shortfalls in your nest egg.Bitcoin RecoveryBy the If you have been a victim of any investment scam related issues , For most cases, it may be pretty obvious what a scam is - but with bitcoin, and cryptocurrency in general, things become murkier. Bitcoin itself is an unregulated form of currency that essentially is a mere number that is only given value because of an agreement. 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Now there is a valid option you can trust.How Much Do I Need to Retire?The majority of experts suggest that 80 percent of your last pre-retirement compensation should be your retirement pay. That means that if you make $100,000 annually at retirement, after leaving the workforce, you need at least $80,000 a year to provide a stable lifestyle.Depending on other sources of revenue, such as Social Security, insurance, and part-time jobs, as well as variables such as your health and ideal lifestyle, this number can be adjusted up or down. For instance, if you intend to travel extensively during retirement, you would need more than that.But how much is enough?Our rule of thumb: Every year, try to save at least 15% of your pre-tax income. That's saying you're planning for retirement between the ages of 25 and 67. That should help ensure you have enough income to support your current retirement lifestyle, along with other measures.Is 15% enough?That depends, of course, on the choices you make before retirement—most importantly, when you start saving and when you retire. Any other income sources you may have, such as a pension, should also be considered. Now that you know a savings rate to consider, here are some steps to think about that can help you get to it.Start Early; The single most significant thing you can do is begin to save early. The faster you begin, the more time you have for your investments to expand and recover from the inevitable downturns of the economy.2. Delay Retirement.Our 15 percent thumb savings rule assumes that at age 67, a person retires, which is when most individuals will be eligible for full social security benefits. You're likely to need to save more than 15 percent a year if you don't intend to work too long. If you intend to work longer, all things being equal, the saving rate you need may be lower.ConclusionMake savings a priorityKeep your eye on your dreams. Do the best you can to get to at least 15%. Of course, it may not be possible to hit that target every year. You may have more pressing financial demands—children, parents, a leaky roof, a lost job, or other needs. But try not to forget about your future—make your retirement a priority too.

I wrote elsewhere about a snobbish, sexist and pretentious fellow consular officer who, when I was newly arrived at an assignment, would come into my office every morning to tell me - in infant-friendly terms - how to do my job. He also took whatever opportunity offered to try to compare his solid-gold son to my ordinary mutt offspring of a similar age. He had a young daughter also, but never bothered to talk about her, a mere female.Finally fed up and knowing his weaknesses, I posted my Phi Beta Kappa certificate prominently in my office, in a place that someone entering would immediately see it. This guy started back in again the next morning, spotted the certificate, then turned on his heel, walked away, and never came back.That was my personal revenge, but Life did him one even better.A couple of decades later, we were in the same class that State puts on for upcoming FS retirees, to prepare us for a return to real life and the vagaries of retirement payments, savings, medical insurance, how to job-hunt and how to apply for further State employment in a local-hire capacity, among about a thousand other details. I entered the room, spotted an empty chair, and sat on it. Then turned to the guy next to me to ask a question.It was him. And not only was it him, but it was a wonderfully improved him. All of his snobbery was gone and he was genuinely friendly, easy-going, and a delight to share those couple of weeks with. During that period he told me that his now-grown son - of whom he had been so arrogantly proud and constantly bragging - was a bartender in a mid-level DC restaurant, while his now-grown daughter - whom both he and his wife had totally ignored even to the point of forgetting to bring her in out of the snow for bed - was completing a PhD in some very high-level subject. She was the reason he needed to keep working; to - very happily and proudly - pay the rest of her way.Good on you, Mitch. You joined the side of the angels.

As a permanent commissioned officer , you have to serve for 20 years . There after you can apply for retirement and will be eligible for pension that is 50% of your Basic Pay . In case you do not apply for retirement then you can serve till the age of superannuation fixed for your rank .The age of superannuation ( retirement with full service ) for Colonel is 54 years , for Brigadiers 56 years , for Major Generals 58 years , for Lt General 60 years , for General 62 years and for CDS it is 65 years .After completion of 20 years service and before reaching the superannuation age , you can apply any time for retirement from service .Theoretically you can ask for premature release right after joining but it will be just refused as Govt has spent a lot of time , effort and money to Commission you as an officer . There are also other things called exigencies of service . However in exceptional compassionate circustances it may be considered and release granted , subject to paying back the proportainate amount spent on training etc as decided by MoD.