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

📢 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

👥 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!