Here’s a quick 5-step retirement calculator to know your number: 1. Write down your annual spending in retirement 2. Add a margin of safety—multiply by 1.15 3. Subtract any fixed income like Social Security or pensions 4. Multiply what’s left by 25 (based on the 4% rule) 5. That’s your retirement number Knowing your number gives you clarity—and options. #tylergardner #yourmoneyguideontheside #retirementcalculator #personalfinance #retirementplanning #financialfreedom #knowyournumber | Socialcapo