@lisasmithretireby45: If I Woke Up at 45 With Zero Saved, Here's How I'd Retire by 60. DM me the word MAP and I'll send you my free detailed guide. Zero saved at 45? You don't need $2 million to retire at 60. The real number is about $654,000, and $1,900 a month at 8% gets you there in 15 years. Follow for more retirement math. #retirementplanning #retireearly #PersonalFinance #retirementmath #lisasmith #lisasmithretireby45 #buildwealth #moneytips