Jubril Agoro

Run the retirement math backwards.

Whatever you spend in a year, you need about 25 times that invested. Burn $300K a year living well in Miami and your number is $7.5 million. That’s why people work until 67.

The standard fix is shrink the life. Skip the trips, retire smaller.
There’s another lever. Keep the life, change where you spend it.

Same dinners, same travel, at a third the cost basis. $100K a year means your number is $2.5M instead of $7.5M. You didn’t cut anything.

That’s a decade of your life sitting in a variable almost nobody touches.

The average Social Security check in 2026 is $2,071 a month. In the US that’s a careful life. Here that’s rent in a good building, eating out most nights, a gym, help around the house, and money left over.

The retirement you think is twenty years away might already exist. Just not where you’re standing.
What’s your 25x?