J Money over at Budgets Are Sexy urges that you ignore all financial advisors and business marketing regarding how much you need to retire that don’t factor in spending. After all, each of us is unique with different needs and wants. To derive the magic number you need to retire, you should calculate it based on your spending. “At the end of the day it all comes down to your expenses. And without knowing that no one can tell you how much you’ll need to hang up the job when it’s time.” (budgetsaresexy.com)
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