📢 **Welcome to our next Lux Finance Circle meetup!**
This month, we are tackling the single biggest question for most of us: **"Will I have enough?"**

Most people just guess. We save what we can and hope it works out. But with state pensions under pressure, "hope" is a risky strategy.
In this session, we’re going to look at the actual numbers together.
We will have an open discussion around three core questions:

1. **The Magic Number:** How much do you *actually* need to maintain your lifestyle? (And why the old "4% Rule" might not be safe anymore).
2. **The Savings Plan:** How to figure out exactly how much to save each month to hit that goal, so you can stop worrying and start living.
3. **The Spending Plan:** Strategies for spending your money in retirement so you never run out, even if the market crashes.

🧭 **Format of the Event**
This is a **casual, community discussion**, not a lecture.

* We'll sit around the table and have a drink.
* I’ll kick things off with a short **10-minute intro** on the evidence-based framework.
* Then, we open it up to the group to discuss, share ideas, and challenge the concepts.

📊 **Check Your Numbers**
Curious where you stand right now? You can use this free calculator to see if your current savings are on track: → **Check Your Trajectory:** [calc.smartmoneygrowth.eu](https://calc.smartmoneygrowth.eu)

👥 **Who Can Join?**
Everyone is welcome! This is perfect for you if:

* You want to know if you are saving enough.
* You are worried about the pension system not providing enough in the future.
* You want to discuss clear, simple plans for the future that don't rely on luck.

📌 **Practical Info**
🗓️ **Date:** Tuesday, December 2nd, 2025 at 18:30 🗣️ **Language:** English. 📍 **Location:** Hotel Le Place d'Armes (18 Pl. d'Armes, Luxembourg). The bar is at the back; ask reception if you can't find us! 🍻 **Drinks:** Drinks are self-paid. To support our venue partner in exchange for this private space, **a minimum of one drink per person is expected.**👥 **Limited Seats:** Please RSVP so we can save you a seat. If plans change, please cancel to let someone else in!

Romain LUCAS

Lux Finance Circle

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Investing

Financial Planning

Financial Education

Money

How to Save and Spend for Retirement (Without Running Out of Money)

Finance

Hotel Le Place d'Armes

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Lux Finance Circle

How to Save and Spend for Retirement (Without Running Out of Money)

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