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one of the most difficult things about planning for retirement is identifying when you can flip the script and trade
退休規劃中最困難的事情之一，就是判斷何時可以改變策略，用金錢換取時間。
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your money for a Time see when we're saving we're trading today's time for our future selves money when we retire
當我們儲蓄時，我們是用現在的時間換取未來自己的金錢；當我們退休時，
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we need to make the decision to trade back the money we have accumulated for the time that we have left as the owner
我們需要決定將累積的資金轉換為我們所剩的生命時間，作為擁有者。
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of an independent financial planning firm I've helped countless retirees achieve retirement goals that can at
作為一家獨立財務規劃公司的負責人，我幫助無數退休人士實現看似不可能達成的退休目標，
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times feel impossible to achieve and this is exactly why I'm making this video today to show you all how in less
這也是我今天製作這個影片的原因，向大家展示如何在不到
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than 15 minutes you could literally save 10 years of your working life now you don't need me to tell you that the only
15分鐘的時間內，實際上節省10年的工作時間。我不需要告訴你，唯一
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thing you can never get more of is time so if you could figure out a way to retire faster and reclaim that time
永遠無法獲得更多的是時間，所以如果你能找到一種方法來更快退休並奪回時間，
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would you do it or what if you had a way to identify whether you are already set up to retire would you do that now over
你會這麼做嗎？或者，如果你能辨識自己是否已經準備好退休，你會這麼做嗎？現在，
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the next 15 minutes or so I'm going to show you how to build a retirement income plan a retirement income plan is
在接下來的15分鐘左右，我將向你展示如何建立退休收入計畫。退休收入計畫是
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the tool you need in order to identify ify one are you saving enough and therefore can you retire on the timeline
你需要用來判斷你是否儲蓄足夠，以及是否能夠按照你期望的時間表退休的工具，其次，
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that you desire and second do you already have enough saved and could you therefore retire as early as today if
你是否已經儲蓄足夠，並且如果願意，今天就能退休。所以，
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you wanted to so without further Ado let's build a return and income plan together on the screen now this is a
讓我們一起建立一個退休和收入計畫，不用多說。螢幕上現在顯示的是一個
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five-step process the first step is to estimate your required income in retirement the second step is to back
五步驟流程：第一步是估算退休後所需的收入；第二步是倒算退休後所需的投資組合提款額；
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out your required portfolio withdrawals in retirement the third step is to identify the required pool of assets you
第三步是確定產生這些投資組合提款額所需的資產規模；第四步是倒算儲蓄時間表；
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would need in order to generate those portfolio withdrawals the fourth step is to back out a savings timeline and the
第五步也是最後一步是建立監控系統。現在，我將在螢幕上與你一起建立一個試算表，
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fifth and final step is to set up a monitoring system now I'm going to build a spreadsheet with you on the screen
我會將其作為可下載的範本，透過影片說明下方的第三個連結提供。
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here that I will make available as a downloadable template via the third link in the description below this video if
如果你想下載副本，請務必點擊第三個連結打開Excel試算表，然後你可以
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you want to download a copy please make sure that once you click the third link to open the Excel spreadsheet you can
點擊「檔案」，然後點擊「下載」或「製作副本」，我將在螢幕上向你展示，點擊「檔案」，
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then click file and then click download or make a copy which I'll show you on the screen here you'd click file you can
你可以看到這裡顯示「製作副本」，或者在這裡顯示「下載」，你可以下載為Excel SX格式。
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see here it says make a copy or down here it says download and you can download as an Excel SX let's begin with
讓我們開始吧。
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the first step now this up here on the screen is an expense worksheet template that we use with clients at my firm it
首先，這個螢幕上顯示的是我們公司與客戶使用的費用工作表範本。
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separates housing expenses fixed non-housing expenses and then discretionary expenses into separate
它將住房費用、固定非住房費用和可自由支配費用分開到不同的
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categories in this green row here labeled monthly you can put in your estimated amount for that cat category
類別中。在這個標示為「每月」的綠色列中，您可以輸入您對該類別的預估金額，
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and a formula will populate the annual amount in the blue column to the right of that if you find that any categories
而公式將在右側的藍色欄位中計算出年度金額。如果您發現缺少任何類別，
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are missing here you can simply add them by adding a new row just like this you can right click on the row over here and
您可以像這樣新增一列。您可以右鍵點擊此處的列，
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then you can click insert row above or below and you can add a new row now as you fill out this expense worksheet make
然後點擊「在上方插入列」或「在下方插入列」，即可新增一列。現在，當您填寫此費用工作表時，
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sure that you've accounted for common categories that end up overlooked things like annual insurance premiums right
請務必考慮到經常被忽略的常見類別，例如年度保險費，
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here or things like property taxes and homeowners insurance which are paid annually but should be calculated or
或者房產稅和房屋所有者保險，這些是每年支付的，但應該按年度計算或
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saved for on an annual basis and also include things like gifts or charity and even things like auto registration I
儲蓄。同時也包括禮品或慈善捐款，甚至汽車註冊費。
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supplied most of these categories in this sheet for your reference but there are some unique categories that come up
我在此工作表中提供了大部分這些類別供您參考，但有些類別會因人而異。
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personto person now once you filled in the expense word sheeet here we can move on to step two step two is creating your
現在，一旦您填寫完費用工作表，我們就可以進入第二步。第二步是建立您的
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required portfolio income calculator and that is this second sheet here what matters for retirement is how much you
投資組合收入計算器，也就是這裡的第二個工作表。對於退休規劃而言，重要的是您每月或每年想花多少錢，
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want to spend each month or year but what matters even more in retirement is how much of that spending is your
但更重要的是，您的投資組合實際上需要產生多少資金來支應這些開銷。
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portfolio actually responsible for producing now the second worksheet here helps us identify that number at the top
這個第二個工作表有助於我們確定這個數字。在頂部的「退休前費用」欄位中，
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here where it says pre-retirement expenses the number from the expense worksheet will carry over if you're not
費用工作表中的數字會自動帶入。如果您尚未退休，
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yet retired then we can estimate that once you are retired you will likely only need about 80% of your
則可以估計，退休後您可能只需要退休前支出的 80%，
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pre-retirement spending although you can change that and make it 90% if you'd like to the retirement expense number
但您可以更改為 90%，如果您願意的話。此處的「退休費用」數字，
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here right below uses a formula and and applies that 20% reduction in Sp spending from pre-retirement to
使用公式，將退休前支出減少 20%，以計算出
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retirement expenses if you're currently retired and you already know what you're spending and there need to be no
退休費用。如果您已經退休並且知道您的支出，而無需進行任何
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adjustment then you can manually override this formula here by just typing in the number here as I'm doing
調整，您可以手動覆蓋此公式，只需在此處輸入數字，就像我正在做的一樣。
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on the screen and it will override the formula now right below this is probably the most important part of this second
在螢幕上，它會覆蓋掉公式。現在，在下方，這可能是第二步驟中最重要的一部分，而且絕對不能忽略。
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step and it cannot be overlooked see you need a certain amount of money to live on that's how much you spend each year
你需要一定數額的錢來維持生活，這就是你每年在退休期間的花費。
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in retirement in order to produce that money you will need income which means that you will need to pay taxes to some
為了產生這筆錢，你需要收入，這意味著你需要繳納一定程度的稅款，才能獲得這筆生活費。
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degree in order to get that spending money out so this second step here is called grossing up we put in an estimate
所以，第二步驟稱為「稅前換算」，我們輸入一個有效的稅率估計值，然後執行一個公式。
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of your effective tax rate and then we run a formula that tells us if you're going to pay roughly in this case 16% in
這個公式會告訴我們，如果你在退休期間大約繳納 16% 的稅款，
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taxes and retirement then you will actually need $2,480 of income to end up with
那麼你實際上需要 2,480 美元的收入，才能獲得 77,900 美元的生活費。
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$77,900 of spending money now at this point we want to catalog what sources of guaranteed income we will have
現在，我們需要記錄我們將擁有的所有保證收入來源。
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guaranteed income are any non-portfolio income sources that are things like Social Security rental income pensions
保證收入是指任何非投資組合的收入來源，例如社會保障金、租金收入、養老金、
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annuities or even part-time work and we can add those in this middle section here you can retitle the name here and
年金，甚至兼職工作。我們可以在中間這一部分添加這些信息，你可以重新命名這裡的標題，
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put in the dollar amount here then the formula does it work and right here under total guaranteed income it sums up
並在此處輸入金額，然後公式就會自動運算。在這裡的「總保證收入」下方，它會加總
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your guaranteed income and then spits out right below that the difference which will result in your annual
你的保證收入，然後顯示出差額，這將得出你的年度
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required portfolio income now it's really extremely important to note that not all years of your retirement will
投資組合所需收入。現在，非常重要的是要注意，你的退休年數不一定每年都有相同數額或來源的保證收入。
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have the same amount or sources of guaranteed income for that reason when we do this exercise in its entirety for
因此，當我們為客戶完整執行這個練習時，我們實際上會根據他們退休的不同階段來分解所需的投資組合收入，或 RPI。
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clients we actually break down a person's required portfolio of income or RPI by phases of their retirement now
不幸的是，我沒有時間在這個影片中涵蓋這個練習的這部分內容，
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unfortunately I don't have time to cover that portion of the exercise in this video but I will be breaking that part
但我將在今天的免費網絡研討會中更詳細地介紹這部分內容。所以，為了確保你不會錯過，請點擊描述框中的第一個鏈接進行註冊。
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down in more detail in a free webinar later today so to make sure you don't miss out click the first link in the
現在，讓我們繼續進行退休收入計畫的第三步驟。
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description below to register now at this point let's move on to step three of the retirement income plan this is
在這裡，我們需要確定產生你的所需投資組合收入所需的退休儲蓄總額。
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where we ident identify the required pool of retirement savings that would be needed in order to produce your required
在這個表格中，我們需要輸入四個假設。第一個是為你輸入的，它來自
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portfolio income in this sheet here we have to input four assumptions the first is input for you it's carried over from
你的所需投資組合收入試算表，並放在第一欄中。然後，我們需要輸入估計值
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your required portfolio income spreadsheet and put in the First Column here and then we need to input estimates
。
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for the length of your retirement the estimated rate of return of your Investments and whether and how much of
為了您的退休期間，投資的預估報酬率，以及您是否希望規劃及規劃多少遺產目標。
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a legacy goal you'd like to plan for so in this scenario we've been building so far with an RPI of 51 $
在我們目前建立的案例中，年 RPI 為 51 美元 1,880 元，退休年限為 30 年，預估報酬率為 5%，遺產目標為
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1,880 per year a 30-year retirement and an estimated 5% rate of return and a legacy goal of
250,000 美元，預估的初始退休資產池將為 864,900 美元。
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$250,000 the estimated starting pool of retirement assets would be $864,900 now just as a disclaimer this
僅作為免責聲明，這個數字是由財務計算器產生的，但需要明確的是，這仍然只是一個估計值。
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number is generated by a financial calculator but to be clear it is still just an estimate significantly more work
要可靠地使用此計算，還需要做大量的工作，但它的優點是，它會給您一個合理的估計值，然後您可以將其帶到第四步，
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would need to be done in order to reliably use this calculation but what is nice about this is it will give you a
追蹤您是否在實現儲蓄目標的軌道上。
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reasonable estimate that you can then take over to step four to backtrack whether you are on or off track with
在我們進入第四步之前，快速提醒一下，如果您想獲得額外的退休規劃協助，可以點擊此影片描述框中的第二個連結。
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your own savings behaviors before we move on to step four though just a quick reminder if you want extra help planning
現在我們進入第四個也是最後一個試算表，這個試算表稱為「儲蓄計算器」。
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your retirement you can click the second link in the description below this video and now onwards to step four this moves
幾個數字從第三張表帶過來，特別是資產目標和報酬率，以便使用這個第四張表，您需要向計算器提供您目前年齡、
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us to the fourth and final spreadsheet and this one is called the savings calculator several numbers are carried
期望的退休年齡以及到目前為止的退休儲蓄金額。
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over from sheet three specifically the asset goal is carried over as well as the rate of return in order to use this
提供了這些資訊後，計算器就會運算，並告訴您首先，您是否有足夠的資金，其次，如果沒有，您需要在剩餘的工作時間內儲蓄多少才能達到您的目標。
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fourth sheet you would need to supply the calculator with your current age your desired retirement age and the
通過使用這個計算器進行一些測試，您會發現，如果我們輸入目前 60 歲，期望的退休年齡是 70 歲，那麼這個情境需要該人每月儲蓄
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amount of your current retirement savings so far now with those supplied the calculator will run and tell you
832 美元才能在期望的退休年齡時達到他們的目標投資組合規模。
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first do you have enough money and second if you don't how much would you need to save over the working time you
再次強調，這是一個計算器，您可以假設在這裡運行不同的情境，您可以更改目前年齡、期望年齡，
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have left in order to hit your target now playing with this calculator a bit you can see that if we input a current
您可以更改您目前的起始儲蓄池，依此類推。
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age of 60 and a desired return in age of 70 this scenario would require the person to save
現在我們幾乎完成了退休收入規劃練習，但有幾點您需要注意，第一點是：
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$832 per month in order to achieve their target portfolio size by their desired retirement age again this is a
為了在理想的退休年齡時達到其目標投資組合規模，每個月需要儲蓄 832 美元。再次強調，這是一個
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calculator so you could hypothetically go in here and run different scenarios you could change the current age the
計算器，因此您理論上可以在這裡執行不同的情境，您可以更改目前年齡、
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desired age you could change your current starting pool of savings and so on now at this point we're nearly done
理想的退休年齡，您可以更改目前的起始儲蓄金額等等。現在，我們幾乎完成了退休收入規劃練習，但有幾點您需要注意，第一點是：
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with the retirement incom planning exercise but there are several things that you have to note the first is that
雖然這種電子表格很有用，但它本身絕不會是一個足夠的獨立工具，讓我
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while this type of a spreadsheet is useful it by itself would never be a sufficient Standalone tool for me to
雖然這種電子表格很有用，但它本身絕不會是一個足夠的獨立工具，讓我
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recommend someone retire successfully based off of this calculator is a fantastic illustration of the mechanics
建議別人成功退休。這個計算器是一個絕佳的示範，說明了退休收入計畫的機制，
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of a retirement income plan it will help you understand how you should save what the target rate of return you should
它能幫助你了解應該如何儲蓄、目標報酬率應該是多少，
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achieve is and how you could think about whether you have enough right now and what type of level of aggression or
以及如何思考你現在是否有足夠的資金，以及你應該投入多少積極性或
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commitment you should put into both your investment rate of return but also your savings Behavior but it lacks several
承諾於你的投資報酬率和儲蓄行為。但它缺乏更精密的財務規劃工具或
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things that a more sophisticated financial planning tool or a financial calculator would have the first element
財務計算器所具備的幾個要素。第一個要素
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here is what I mentioned earlier the required portfolio income phases specifically this spreadsheet tool lacks
是我之前提到的所需投資組合收入階段。具體來說，這個電子表格工具缺乏
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the Nuance to build your retirement out in phases based on when income sources kick in or stop for instance if you were
根據收入來源開始或停止時間，將退休規劃分解為階段的細微差別。例如，如果你
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to claim a pension at 62 and then an annuity at 65 and then Social Security at 70 each of those periods of time in
在 62 歲開始領取養老金，然後在 65 歲開始領取年金，最後在 70 歲開始領取社會保障金，
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between would have different rpis and therefore different strains or drains on your portfolio the second missing
那麼這些時間段之間都會有不同的 RPI（所需投資組合收入），因此對你的投資組合造成不同的壓力或
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element here is an inflation assumption inflation's real we all know this so we need in estimates that account for
消耗。第二個缺失的要素是通貨膨脹假設。通貨膨脹是真實存在的，我們都知道這一點，
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inflation and the third missing element is step five of the retirement income plan which I haven't gone into yet step
因此我們需要納入通貨膨脹因素的估算值。第三個缺失的要素是退休收入計畫的第五步驟，
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five is the monitoring system see retirement planning is really two parts the first part is about creating a
我尚未詳細說明。第五步驟是監控系統。
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savings plan that gets you to the required amount of money that will fund your retirement the second part is the
退休規劃實際上分為兩個部分：第一部分是建立一個能讓你達到退休所需資金的儲蓄計畫，
09:48
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decision-making and monitoring plan that keeps a retirement plan fresh up to date and keeps you from running into walls
第二部分是維持退休計畫的新鮮度和最新性，並避免你撞牆的決策和監控計畫。
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and that second part of this retirement exercise is actually step five of the return and income plan step five covers
這個退休練習的第二部分實際上是回饋和收入計畫的第五步驟。第五步驟涵蓋
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things like when should you annuitize an annuity how should you claim your pension when should you claim Social
例如，何時應該購買年金、如何領取養老金、何時應該領取社會
10:07
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Security how should you invest your assets should you change your investment strategy and at what points in your
保障金、如何投資你的資產、以及何時應該改變你的投資策略，
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retirement should you make those changes step five also covers how you withdraw your funds in a tax efficient manner
並在退休的哪些階段應該做出這些改變。第五步驟也涵蓋如何以稅務有效的方式提取你的資金，
10:19
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which accounts to draw from and why but also how you should monitor the safety and stability of your plan and you can
從哪些帳戶提取以及原因，以及如何監控你的計畫的安全性和穩定性。
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probably tell at this point that step five is extremely important you know equally as important as saving and
大概可以從這點看出，第五步極其重要，它和儲蓄一樣重要，
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getting to the right starting pool of assets but it's also quite nuanced and worth its own set of video explanations
並且也相當細膩，值得花費一套影片來詳細解釋。
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truth be told you can't walk away from this video thinking that steps 1 through four of a retirement income plan are
說實話，你不能看完這個影片就認為退休收入計畫的第1到第4步就足夠了。
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enough you know the truth is I meet with people every single week who thought they'd be working well into their 70s
事實是，我每週都會遇到許多人，他們原本以為會工作到70多歲，
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only to discover that they could retire years earlier than they imagined after going through an exercise like a
但在進行類似退休收入計畫的演練後，卻發現他們可以比想像中提早退休。
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retirement income plan from accelerated savings techniques to optimizing withdrawal plans to Leverage tax
從加速儲蓄技巧到優化提款計畫，再到利用稅務優勢，
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advantages there is so much more that goes into optimizing your return Journey so if you want to learn exactly how you
優化你的退休收益之路需要考慮的因素遠不止這些。所以，如果你想了解如何精準優化你的個人退休收益之路，
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can optimize your specific retirment Journey I'm hosting an entirely free class today to show you exactly how to
我今天將舉辦一堂完全免費的課程，向你展示具體的操作方法。
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do that just click the first link below in the description to register thank you as always for your time and attention
點擊下方描述中的第一個連結即可註冊。感謝你一直以來的時間和關注，
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and I'll see you in the next video
我們下個影片見。
