Q. - How much of your final salary will you need in retirement?
A. - The common answer was 75 percent. But when we asked how they came up with this figure, the most common refrain turned out to be that that’s what they thought they should answer. And when we probed further and asked where they got this advice, we found that most people heard this from the financial industry. Sort of like two months salary for an engagement ring and one-third of your income for housing, 75 percent was the rule of thumb that they had heard from financial advisors
Q. - How do you want to live in retirement? Where do you want to live? What activities you want to engage in?
A. - And similar questions geared to assess the quality of life that people expected in retirement. We then took these answers and itemized them, pricing out their retirement based on the things that people said they’d want to do and have in their retirement. Using these calculations, we found that these people (who told us that they will need 75% of their salary) would actually need 135 percent of their final income to live in the way that they want to in retirement.
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Asking the right and wrong questions by Dan Ariely
Дэн Ариели пишет об искусстве задавать вопросы.
Одно дело спросить человека: “Сколько от вашей зарплаты вам понадобится на пенсии?”. И получить вполне стандартный ответ: 75%. И ничего удивительного в этом стандратном ответе нет. Эта цифра общеизвестна и берется по умолчанию.
И другое дело спросить: “Что вы собираетесь делать на пенсии? Где жить? Как жить?” И получив ответы, а потом и подсчитав цифры затрат на желаемую пенсию, выяснить, что на самом-то деле понадобится 135% от зарплаты (дохода).
Кстати, обе книжки Дэна Ариели были переведены на русский и изданы.
