1. THIS IS THE RETIREMENT QUESTION EVERYONE WAS TALKING BOUT: you expect work for forty years. Once you retie, actuarial tables indicate that you will likely live for thirty more years . Able to spend $100,000 per year in retirement. The fund you will use for all of our investments, both while .. will return 7.46% per year. How much do you need to save each year over the next forty years to hit you retirement .