Retire as early as possible, but not earlier than possible

There is risk if invest in stock market. It also brings up your worry-ness level.

To be truly retired without worry, the best way to do that is make sure the post-retirement income is risk free.

I would suggest to use your projected annual income divided by 5%, that’s should be how much money you will need to retire without worry.

For example:
I need $30000 annually. so i need 30000/0.04=600k to retire comfortably with most of my money invested in 4% bond and a bit money in stock market. Even my stocks investment falls; I still get the money from the fixed income.

Here is a quick calculation for people who needs to know how much they need to retire: