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Retiring early comes down to three real numbers: your target nest egg, your current savings rate, and a safe withdrawal rate. A widely used benchmark called the 4% rule, based on the Trinity study, suggests aiming for roughly 25 times your annual expenses before stepping away from full-time work. From there, raising your savings rate and keeping withdrawals sustainable are what actually move your target date. The video below walks through one creator’s take on this framework.

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