1)	To fill your blissfully empty days, you...
	Pedal your Schwinn three-speed to...
	Stoically haul your walker down the stairs of the subway on your way to...
	Gas up your aging Toyota Camry for a trip to...
	Hail a cab to and from...
	Call 777-7777 and have the driver take you to...
	Pick up the vintage Ferrari from the mechanic and zoom on over to...
	Let your limo driver know your destination...

	Your destination:
	The local flea markets and tag sales
	The cineplex, to see a movie
	Atlantic City, where you lose a little playing 21 and take in a show
	Lincoln Center, where you're a "Friend" of Mostly Mozart
	Per Se for a fabulous meal. You're a regular.
	Your member's-only club to sip single malts with cronies
	A $5,000 per-plate fundraiser

2)	To keep yourself feeling young, you
	Spend the afternoon dong the crossword puzzle in the park
	Play a doubles match at the senior center
	Brush up on your philosophy with Columbia's Lifelong Learners program
	Take private piano lessons from a Julliard student
	Hit the gym with Vlad, your personal trainer, twice a week
	Enjoy frequent afternoons of shopping and Bellinis on Madison Avenue
	Bid on the old masters at Sotheby's

3)	And have the good doctor at
	The emergency room, help with that medding splinter
	The Medicare-accepted clinic, explain your prescription-drug benefit
	Your HMO, oversee your hip replacement
	Your hospital, sign you up for a clinical trial of a new arthritis drug
	The 24-hour premium health-care service, you subscribe to make a house call
	The Mayo Clinic, rearrange his schedule to fit in a visit
	Lenox Hill, oversee the heart-friendly diet provided by your live-in nurse and cook

4)	Once a year, you indulge your lifelong love of travel by
	Packing up the car with camping equipment and driving to
	Boarding a cruise ship and steaming through ports of call in and around
	Catching a cheap flight to
	Jetting business class to
	Flying first class on the new Airbus superjumbo to
	Buying plane tickets for the kids and grandkids for two weeks in
	Calling up Net Jets and arranging your own private nonstop direct to

	Your destination:
	The nation's newest national park
	Baja, Mexico
	Your time-share in San Diego
	Buenos Aires, to take advantage of the fabulous food and shopping
	Europe, to do a grand tour
	A fabulous villa on the Amalfi coast, complete with a staff of three
	Four-star hotels on every continent (except Antarctica)

5)	You give generously
	To the bell-ringing Santa every Christmas
	In election years to the D.A., the state attorney general, and the DNC
	To your church, every time the collection plate is passed around
	To your grandkids' Harvard fund
	To the local preservation society because you are on the board of directors
	To cancer charities, because you want your name on the side of a building
	To your own personal foundation because you don't see why Bill and Melinda Gates should get all the attention

6)	And splurge on
	Gasoline
	Yoga class three times a week
	Golf
	Etchings and first editions
	New couture every season
	Helicopter rides to and from your weekend place
	Plastic surgery and experimental anti-aging therapies

    Your Score

Your Score	Your Yearly Expenses	Your Number (Not Including Home Equity)
0-20	$40K	$1M
21-32	$60K	$1.5M
33-44	$100K	$2.5M
45-56	$120K	$3M
57-120	$200K	$5M
121-240	$400K	$10M
241-320	$800K	$20M
THE SMALL PRINT: This chart makes a series of assumptions. We assume you want to live out your days in New York City and that by the time you stop working, you’ll own your own home in full. We’re also assuming that you’re taking this chart with a shaker of salt. The point system is not a price guide—and this chart is not a spreadsheet. And if you really want to figure out how much it all costs, you’ll need to make an appointment with an accountant and (if you want anything like the life you already live) arrive at his office armed with a shoe box stuffed with a full year’s worth of receipts and bank statements. Just bite the bullet and do it. Seriously, you should.

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