replacementRate := income After you retire / income Before[1] you retire

[1] before means … the final year, perhaps part-time job salary  + nonwork income

https://www.dbs.com.sg/personal/articles/retirement-planning/let-time-be-your-friend-when-planning-for-retirement  says The OECD average is 63% (and presumably insufficient for many retirees, according to the marketing brainwash).

I find this percentage too high to be realistic. My salary before retirement would be 150k in today’s USD. My income after I retire would be much lower than that, but so is my burn rate.

Therefore, I find this percentage highly misleading and questionable. Therefore, I don’t want to spend too much time /dwelling/ on it. On the other hand, This concept/notion is well-defined and may become more prevalent via my (evolving) selective listening.  Therefore, it might be useful to have a view.

Instead of this replacement rate, I have many blogposts more relevant to my situation.