要存到3000萬才能退休？章新分享真實計算經驗：勞保、勞退與生存金的精算手冊

How much should you save for retirement? 15 million, 30 million, or even less? I've received many calls from old friends these past few days, all anxious about workplace changes and their future financial security. Today, I won't talk about abstract theories, but rather share my practical experience of retiring early at 50. From budgeting and debt clearing to calculating passive income from social security and retirement savings, I will break down step-by-step how to calculate your own retirement figure. I hope this experience will allow you to navigate the ups and downs of your career and confidently enter the third stage of your life. 00:00 Retirement Anxiety: We're All Discussing the Same Topic 03:00 The Four Pillars of Retirement Life: Money, Activities, Spouse, and Health 04:10 Unveiling the Retirement Figure: 15 Million or 30 Million? 07:44 The Crucial First Step: Why You Must Keep Budgets for at Least One Year? 10:50 Retirement Survival Fund vs. Retirement Living Expenses: Calculating Your "Confidence" 13:10 The Rules of Couples: How to Plan the Third Stage of Life with Your Spouse 17:25 The Key to a Magnificent Transformation: Clearing Mortgage, Car Loan, and Debts of Gratitude 21:20 Taking Stock of Existing Assets: You're Not Starting from Zero 25:05 How Much Labor Insurance and Retirement Benefits Should You Receive? Learn to Calculate Passive Income After Retirement 32:15 Emergency Fund: A Protective Umbrella for Unexpected Workplace Situations 33:25 Stress Test: Simulating a Month of Retirement Life 36:45 Thoughtfulness for Your Partner: Why Do Women Need to Prepare More? 39:35 Three Important Things to Remember After Retirement: Housing, Health, and a Good Mood #ZhangXinTalksWithoutDrafts #ZhangXinTalksRetirement #RetirementPlanning #RetirementPaymentCalculation #FinancialManagementSharing #EarlyRetirement #LifeAfterRetirement #WorkplaceCrisis #LaborInsuranceAndRetirementBenefits