Here’s a 6-step way to calculate your retirement number: 1. Write down your expected annual expenses 2. Multiply that number by 1.15 to add a 15% safety buffer 3. Subtract any fixed income (Social Security, pensions, etc.) 4. Take the gap and multiply it by 25 (based on the 4% rule) 5. That’s your target retirement nest egg 6. Adjust as life, goals, or expenses change Plan with clarity—retire with confidence. #tylergardner #yourmoneyguideontheside #retirementplanning #financialindependence #pers