40 + Still no savings How to do? There are 30,000 / month after retirement.🏅

💰, 40, still don't have money to save! Want to retire, have 30,000 a month, what to do?

Many friends may feel that "40 has just thought about retirement. Will it be too late?"

I can say, "It's not late," ✨ but I have to plan seriously.

🔎 clear target first.

If you want to have 30,000 baht a month after retirement = 360,000 baht a year.

If you plan to retire for 25 years 👉, you need a midfield of about 9 million baht (using the 4% rule formula).

💡 40-year-old money collection formula (starting from scratch)

1️⃣ clearly targeted, long planned.

20 years (40-60 years) = must be collected to 9 million baht

2️⃣ invest big money.

If we collect 20,000 baht a month and invest an average of 6% a year,

👉, by the age of 60, there will be close to 9 million baht. 【 Reference: Investopedia, 4% Rule 】

3️⃣ Increase revenue + reduce expenditure

40 is the time to earn extra money, whether online, free-lance or small business.

4️⃣ Use the 50/30/20 rules.

50% Cost Required

30% Lifestyle

20% Keep and invest

👉 or adjust to 30/30/40 if you want to collect quickly.

5️⃣ Choose an investment that suits yourself.

Total Fund

RMF / SSF

Dividend stock

Pension insurance

👉 better spread the risk.

✨ Summary

40 is not late. If you start collecting + investing seriously

For the next 20 years, friends can retire comfortably, earning 30,000 baht a month. 🚀

💬 How are your 40-year-old friends planning to retire? Let's share the idea. 🥰

# Retirement planning # 40 is still cool # I'm in my 40s # 40 plus is not convenient # 40 plus must meet