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Retirement Planning • October 13, 2026

How Much Do You Need to Retire? The 5 Numbers That Tell You Exactly Where You Stand

Hoxton Videos • How Much Do You Need to Retire? The 5 Numbers That Tell You Exactly Where You Stand

  • Retirement Planning

How Much Do You Need to Retire? The 5 Numbers That Tell You Exactly Where You Stand

Ask ten people how much they need to retire, and you will get ten different answers. The truth is, your number is not in an article - it is in five simple calculations.

In this video, Hoxton Wealth CEO Chris Ball walks you through the five numbers that take you from “I think I’m probably okay” to “I know exactly where I stand.”

The five numbers are:

  1. What your retirement actually costs - the real figure based on the life you want
  2. Your buffer for lumpy, irregular costs - the expenses that don’t show up monthly but always show up eventually
  3. Your guaranteed income - your floor, before savings and investments do anything
  4. The gap - the shortfall your money actually needs to cover
  5. What you already have - everything working toward that target right now

Once you have those five numbers, you stop hoping you are okay. You know exactly where you stand.

This is about not spending the last third of your life wondering if you got it right. Money you have spent decades building deserves a plan you can actually see.

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