CA's 30x Rule: How Much Money Do You Need for Retirement?

• CA Nitin Kaushik introduces the '30x rule' for retirement planning, emphasizing financial preparedness over age.
• Retirement corpus depends on city: Rs 1.2 crore for Tier-3, Rs 3.5 crore for Tier-2, and Rs 8-9 crore for metros.
• Multiply annual expenses by 30 to estimate your retirement fund; e.g., Rs 8 lakh annual expense needs Rs 2.4 crore.
• Starting early is crucial: A 10-year delay (from 25 to 35) in SIP can result in a Rs 4 crore loss due to compounding.
• Even small, disciplined investments (Rs 2,000-5,000) can secure a peaceful future, free from financial anxiety.