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Your Retirement Number Is 25 Times the Spending Social Security Won’t Cover

Source: Money Crashers · Oct 17, 2026 20:00 UTC

An oil tanker ship in the Houston Ship Channel — File photo roger4336 / Flickr · CC BY-SA 2.0 · Source

The Quick Take

Without that number, retirement saving is guesswork. You can’t tell whether putting away 10% of your pay is plenty or a fraction of what you need. The 25 is the 4% rule flipped, since 4% of 25 years of spending... Source

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