The math shocked me

In partnership with

Arigato, dear investor,

The other day, a friend asked me over coffee:

“Chloe, how much of my salary should I invest?”

I smiled, because it’s the question everyone has at the back of their minds but so few dare to say out loud.

So I pulled out a napkin and scribbled some numbers.

📊 Here’s the goal:
Let’s say you’re earning about $60k a year, and you’d like to retire on 70% of that income — around $42k a year.

By the 4% rule, you’d need roughly $1.05M saved up.

Now here’s where timing changes everything:

✨ If you start in your 20s (40 years to invest):
You only need to put away $2,372 a year — that’s just 4% of your salary.

⏳ Wait until your 30s (30 years to invest):
That number jumps to $6,383 a year — about 11% of your salary.

⚠️ Wait until your 40s (20 years to invest):
Now you’re looking at $18,333 a year — nearly one-third of your salary!

The takeaway is simple:
The earlier you start, the lighter the lift. Even setting aside just 4% of your income in your 20s could fund a retirement that covers 70% of your salary.

And the best part? You don’t need anything fancy. The simplest way is just investing in the S&P500 $SPY ( ▲ 1.54% ) — the top 500 US companies, which has averaged about 10% a year for the last 50 years.

But if you’d like to accelerate your growth safely, here’s where options come in.

With conservative option strategies that even Warren Buffett uses, boosting returns from 10% to 15% per year, that same $2,372/year could grow into around $4 million instead of just $1 million.

That’s the power of:

• Investing consistently

• Letting compounding do the work

• Using options wisely to grow faster

This is what I teach — in a safe, simple way, even for beginners.

If you’d like more free resources to start learning about options, check out my masterclass below. I will show you step-by-step how you can start your options investing journey safely and profitably, even as a complete beginner!

Would love to have you join us,
and keep learning together—the Arigato way 💛

Meanwhile, check out this 👇️ 

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Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛

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