Supposeyouarecurrently30yearsold,expecttoretirein35yearsatage65,andthentolivefor20moreyearsuntilage85.Yourcurrentpre-taxincomeis100,000andisexpectedtogrowat2%peryear.Thepre-taxinterestrateis5%andyourtaxra

Question

Suppose you are currently 30 years old,expect to retire in 35 years at age 65,and then to live for 20 more years until age 85.Your current pre-tax income is 100,000 and is expected to grow at 2%per year.The pre-tax interest rate is 5% and your tax rate is 35%.For simplicity,assume that all cash flows occur at the end of the year.Q:You decide that you want to spend a constant amount per year fo the rest of your life,i.e.,from age 30 to age 85.How much can you spend per year?Are you saving for retirement at age 30?

Answer 1

翻译：
假设你现在30岁,预计在35年后退休年龄是65岁,再多活20年,直到85岁.你目前的税前收入为100000,预计将以每年2%的速度增长.税前利率是5%,你的税率是35%.为简单起见,假设所有的现金流量发生在年底.问：你认为你想花恒定量每年为你的生活,剩下的即,从30岁到85岁.你能花多少钱呢?你30岁退休储蓄?