The amount that you need to retire will depend on your country's living costs. A small 1-bed room apartment in Sydney, Australia would cost approximately $3,250 AUD a month, which is almost double the amount some workers make a month in the Philippines. Someone staking ADA and wanting to live off the rewards will get a lot more value from their ADA in one country compared to another. In this example, we will calculate the required amount of ADA based on a desired $40,000 yearly income. $40,000 / 73 = $547.95 This number is the amount of fiat that is required per epoch. (73 being the number of epochs per year). $547.95 / $4 = 136.99 ADA Now we divided the amount of fiat by the desired price of ADA in the same currency which gives us 136.99 ADA. If we take the original desired yearly income, $40,000 and divide that but the price of ADA $4 and divide that total by the percentage or ROA of the protocol of 5.5% we get the estimated amount of ADA required to stake to obtain the desired income. ($40,000 / $4 ) / 0.055 = 181818.18 ADA To obtain a $40,000 yearly income at an ADA price of $4, we will need to stake approximately 181,818.18 ADA. Rounded up to 200,000 in the podcast.