Desired retirement, in order of priority:

• Daily living – well stocked fridge, telco, health, personal care ($1700 per month or $20k per year)
• Transport – car ($700 per month or $8k per year) BMW 5 series: $3k per month
• Holidays – nice beach holidays ($200 per month or $2400 per year)
• Shopping – buy anything we like ($2k per year)
• Entertainment – movies and popcorn, hobbies, kids ($300 per month or $3800 per year)
• Medical – Private hospital (paid by insurance $600 per year)

Monthly expense: $2400 (Living and transport) – $3100 – $4800 (BMW 5 series)

Annual expense: $28,800 – $36,800

Retirement amount based on annual expense $36,800:

• Age 65, 20 years: $736k
• Age 55, 30  years: $1,104k
• Age 45, 40 years: $1,472k
• Age 35, 50 years: $1,840k

Bonus: Private house $1.5 Million.

Loyang villas