# Retirement Formulas By Andy Lee Graham

This is some retirement formulas by Andy Lee Graham, please assume that they will change and that I, Andy Lee Graham could, or should update. Thanks Andy

Retirement Formulas from Andy Lee Graham

Please, I am Andy Lee Graham of the founder of HoboTraveler.com in 2000, I would live it, if other verified members would write the same type of page.

Hello Gilbert,

How much money do I need? I am not sure? I do not have health insurance, more or less self-insured, i can afford to pay for any doctors, except for Cancer, and maybe why I refuse, try to limit chemicals touching my body. How much does cancer cost, I guess it is according to how much we want to stay alive, as for me, I guess I am not too concerned about dying, so no health insurance. Hmmm, not totally correct, I have an extreme regiment of exercise, foods, and other.

I am told if I am indigent I can get medicaid, which is maybe the Health Insurance I wanted, but did not get with the new USA healthcare system.

IF we remove the medical from the equation.

I need about 700 USD per month and I am happy as a lark. I can go anywhere, and live anywhere on the planet.

Formulas for Retirement - I will say, follow the money, follow who benefits. Most financial advisors talk investments, and ROI and all this complicated math. I am not sure, what I think you are saying is this math?

1,000,000
x .04 (Four percent interest received from somewhere, hopefully a bank.)
----------
= 40,000 and, the financial advisors, the banks, and everyone also benefits, along with children, and anyone who inherits the money.

This is the best option, if you have accumulated this amount of money, 40,000 dollars is a fortune, 90 percent of the planet only earns about 6,000 USD per year, so stay out of the 15 super rich countries, and life is super super super simple.

2nd Formula:

I am 60, and expect to live to be 95 year of age, so I have 35 more years, changes according to family.

1,000,000 divided by
35
--------
= 28, 571 another fortune.

Formula 3:
I need 700 per month.
700 x 12 = 8,400
In two more years, I will collect Soc Security and I am a made man. Now, I believe the USA will always fund SS, because if not, it is end of days anyway, the world is bankrupt, and we all get to scramble, if the USA goes down, the world goes down.

I am totally in favor of burying a million dollars in the ground in gold, silver, etc.

As we can see, each formula is different, and the "risk tolerance" is different. Gilbert, I suspect you have way over what is needed, way over. But when we work all our lives, hard to believe we can stop working, we are told daily, by the minute, by the second to work. If we do not work, we are a bum. Well, work is not the measure of a man, and money is not the measure of the man, it is our fruit, our good, how we treat our neighbors

Now, people who are addicted to food, drugs, alcohol, co-dependent,or to buying everything, and anything, to hoarding, to having a bigger pile of something than their neighbors will have problems with any of the above formulas.

People get angry when I want a profile, but anonymous, which you are not, you are great. There is no way an anonymous person can be helped by their friends, because anonymous has no friends. We are all OK, and whether we like it or not, we will go on living our lives, with or without money. I see 4-5 billion people on the planet who want a lot of children, so the children take care of them in old age. You are helping your Father in law, and this means, probably you have someone too.

Gilbert, I believe we are always safe, even when in doubt, sort of faith in a way I believe the world of my friends, family, and others will all work together. To be rich in family, friends, and time is rich, all the other stuff is gravy.

Andy Lee Graham in Tours, France, 2016

I invite any verified members of HoboTraveler.com to share their formulas, whether below, or on a new stub, to start a new topic.

Thank you, Andy Lee Graham

### JoMeeks

Great article Andy.

### marvin78

first profile edit since joining.am now retired am planning to travel central America this winter starting in nov have been in guatamala but not lake Atitlan.Hope to check it out soon. Like your comment ,measure of a man is how we treat our neighbor.
right no.love the vids and thank you for them .Marvin

### marvin78

ment to say right on