Retirement Math: Ditch 40 Years, Retire in 10!

The retirement math that nobody teaches The retirement math that nobody teaches you or talks about is that the standard you or talks about is that the standard you or talks about is that the standard retirement equation we were sold back retirement equation we were sold back retirement equation we were sold back home that you save 15% of your income home that you save 15% of your income home that you save 15% of your income over four decades invested in index over four decades invested in index over four decades invested in index funds and retire at 65. That works if funds and retire at 65. That works if funds and retire at 65. That works if you're a baby boomer, if you're okay you're a baby boomer, if you're okay you're a baby boomer, if you're okay with 65, if you trust that the market in with 65, if you trust that the market in with 65, if you trust that the market in the future holds. Uh if your job still the future holds. Uh if your job still the future holds. Uh if your job still exists in 10 years, if your health still exists in 10 years, if your health still exists in 10 years, if your health still exists, if nothing blows up, uh that's a exists, if nothing blows up, uh that's a exists, if nothing blows up, uh that's a lot of ifs, right? And there is a lot of ifs, right? And there is a lot of ifs, right? And there is a different math. I've also in my own different math. I've also in my own different math. I've also in my own lifetime already seen multiple massive lifetime already seen multiple massive lifetime already seen multiple massive crashes. Well, what happens if it crashes. Well, what happens if it crashes. Well, what happens if it crashes the decade you want out? Not crashes the decade you want out? Not crashes the decade you want out? Not good. So, there's different math and the good. So, there's different math and the good. So, there's different math and the ultimate math you need to know is about ultimate math you need to know is about ultimate math you need to know is about the savings rate. But the higher your the savings rate. But the higher your the savings rate. But the higher your savings rate, the faster you can retire. savings rate, the faster you can retire. savings rate, the faster you can retire. You can opt out. If you save 10% of your You can opt out. If you save 10% of your You can opt out. If you save 10% of your income, you're going to retire in about income, you're going to retire in about income, you're going to retire in about 43 years. If you save 50%, you retire in 43 years. If you save 50%, you retire in 43 years. If you save 50%, you retire in roughly 17 years. If you save 65 to 70%, roughly 17 years. If you save 65 to 70%, roughly 17 years. If you save 65 to 70%, you can retire in a decade. Most people you can retire in a decade. Most people you can retire in a decade. Most people hear that, they laugh. It's impossible. hear that, they laugh. It's impossible. hear that, they laugh. It's impossible. I can't save 70%. Have you seen rent, I can't save 70%. Have you seen rent, I can't save 70%. Have you seen rent, car prices, insurance, healthcare? Sure. car prices, insurance, healthcare? Sure. car prices, insurance, healthcare? Sure. Yeah, if you stay in Toronto, San Yeah, if you stay in Toronto, San Yeah, if you stay in Toronto, San Francisco, New York, I mean, even Mexico Francisco, New York, I mean, even Mexico Francisco, New York, I mean, even Mexico City, where I used to live, is getting City, where I used to live, is getting City, where I used to live, is getting expensive. Melbourne, oh my god, don't expensive. Melbourne, oh my god, don't expensive. Melbourne, oh my god, don't go to Australia. But what if the entire go to Australia. But what if the entire go to Australia. But what if the entire game, cost of living, housing, food, game, cost of living, housing, food, game, cost of living, housing, food, transport, healthcare? What if the whole transport, healthcare? What if the whole transport, healthcare? What if the whole board is just completely different?

board is just completely different? board is just completely different? That's Q arbitrage.