What's the last date I can post this to to arrive in time for Christmas?
atorvastatin fenofibrate My favorite tool for this exercise is investment advisor Charles Farrell’s money ratios. To replace 80 percent of pre-retirement income, Farrell believes one needs to have amassed 12 times annual income in savings by retirement. While we should not accept a financial rule of thumb uncritically, the 12 times your income objective seems reasonable. To reach the 12 times income goal at retirement, Farrell calculates that one should have saved 1.4 times their annual salary by age 35, 2.4 times by age 40, 3.7 times by age 45 and 5.2 times by age 50. With this information in hand, one can make mid-course corrections in their retirement savings.