Let’s compute your actual target retirement fund, aka your Financial Independence (F.I.) Number! Your F.I. Number is simple:�Monthly spending × 12 × 25�—OR—�Annual spending ÷ 0.04 The “×25” or “4%” isn’t random. It comes from the Trinity Study, which suggests that if your money is properly invested, withdrawing 4% per year gives you a high chance of NOT running out of money in retirement. For example:�If your ideal retirement lifestyle costs ₱25,000/month, that’s ₱300,000 per year. Multiply by 2
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