In a recent episode of The Money Mindset podcast, Sandeep Jethwani (co-founder of wealth management firm Dezerv) proposed that individuals aiming to retire at 60 should target a retirement corpus of around ₹40 crore (roughly $4.8 million USD). This figure is based on current monthly expenses of ₹1-2 lakh (approximately $1,200-$2,400 USD) and does not account for existing assets like homes or cars. Jethwani explained that an investment of ₹4.2 crore (about $505,000 USD) today, growing at an annual return of 12%, could potentially reach ₹40 crore in 20 years. He noted that someone retiring at 60 with a life expectancy of 90 and annual expenses of ₹25 lakh (around $30,000 USD), which could increase by 9-10% annually, would require a substantial corpus to sustain their lifestyle. Podcast host Sonia Shenoy suggested a more conservative estimate of ₹10 crore (roughly $1.2 million USD) for those spending ₹1-2 lakh monthly, but acknowledged that inflation and unexpected expenses could raise this figure. The discussion has sparked significant online debate, with many questioning the practicality of such high targets, especially for the average Indian who may not earn ₹1 crore (approximately $120,000 USD) in their lifetime. The conversation emphasizes that retirement planning is highly personal and varies based on individual circumstances.