Investment Policy: How Much Do You Need to Make for Retirement Using the spreadsheet provided during the guest speaker event and discussed twice afterward, how much does someone need to make before-tax assuming: Income during working years was $70,000 Need 60% of this income in retirement Can withdraw 5% per year Current assets are $300,000 20 years to retirement 20% tax rate Enter your answer in THREE decimals. That is, if your answer is 8.052%, which is the same as .08052, you should round and enter it as .081. Investment Policy: How Much Do You Need to Make for Retirement Using the spreadsheet provided during the guest speaker event and discussed twice afterward, how much does someone need to make before-tax assuming: Income during working years was $70,000 Need 60% of this income in retirement Can withdraw 5% per year Current assets are $300,000 20 years to retirement 20% tax rate Enter your answer in THREE decimals. That is, if your answer is 8.052%, which is the same as .08052, you should round and enter it as .081