99% cannot retire? Did you conduct the survey?

According to an HSBC survey:

" 30 per cent cannot afford to retire fully and 23 per cent still need to work to bridge a shortfall in their retirement income.

Some are not even sure if they can retire at all - 17 per cent expect to work their entire lives.

People without spouses are particularly vulnerable: 30 per cent of those who are divorced or separated say they do not think they can afford to retire."

I supposed you fall under the 30% who cannot afford to retire.

Instead of heaping insults onto the kind forummer who helped show you the calculation, you should be thankful to him. Now you know how to estimate how much you need to prepare for to support your retirement. If inadequate, dont retire.