
How Much Do You REALLY Need to Retire? (Using the 4% Rule)
One of the most common questions I receive as a financial planner is: “How much do I need to retire?” In this video, I break down a simple—but often misunderstood—approach using the famous 4% Rule. We’ll walk through a realistic example of a Canadian couple retiring at 65, factoring in CPP, OAS, taxes, and how to translate monthly spending into a retirement savings target. While the 4% rule isn’t perfect, it can give you a helpful starting point as you begin planning your retirement.