👉 Retirement math involves estimating how long you'll need to work to save enough for retirement based on your current income, expected expenses, and desired retirement lifestyle. Typically, you'll calculate how many years you need to work to accumulate a specific amount of savings, often using a rule of thumb like saving enough to cover 30-40 years of expenses. Adjust for inflation, healthcare costs, and any lifestyle changes, such as travel or hobbies, to refine your estimates. Tools like retirement calculators can help visualize these projections, but it's important to consider personal factors and market fluctuations that might affect your savings timeline.
