Ross Anderson

commissions for a long period of time or they may have a slow season and things like that. So being a little above that is really healthy. But in theory, if you could go multiple years, first of all, congratulations, that's fantastic. That also may be an indication that you're a little too heavy in cash. So we can talk about that as well today. But that's a really, really impressive place to be.

So you should be proud of that, that you were able to save that much and put yourself in a really strong position.

So you should be proud of that, that you were able to save that much and put yourself in a really strong position.

So you should be proud of that, that you were able to save that much and put yourself in a really strong position.

That kind of then leads me back to your original question, which is, does it make sense to reduce your retirement contributions if that's the case? If you're starting from a position of really strong balance sheet, meaning you have that emergency fund in place, then quite frankly, I would almost go the other direction, right?

That kind of then leads me back to your original question, which is, does it make sense to reduce your retirement contributions if that's the case? If you're starting from a position of really strong balance sheet, meaning you have that emergency fund in place, then quite frankly, I would almost go the other direction, right?

That kind of then leads me back to your original question, which is, does it make sense to reduce your retirement contributions if that's the case? If you're starting from a position of really strong balance sheet, meaning you have that emergency fund in place, then quite frankly, I would almost go the other direction, right?

When we've got times of economic uncertainty, that's normally when markets are going to price down because people are scared. And the stock market is kind of the one place where everything goes on sale and nobody wants it. It's a great place to be putting money, especially when there is fear in the markets. And

When we've got times of economic uncertainty, that's normally when markets are going to price down because people are scared. And the stock market is kind of the one place where everything goes on sale and nobody wants it. It's a great place to be putting money, especially when there is fear in the markets. And

When we've got times of economic uncertainty, that's normally when markets are going to price down because people are scared. And the stock market is kind of the one place where everything goes on sale and nobody wants it. It's a great place to be putting money, especially when there is fear in the markets. And

I don't know if we're at a bottom or if we've already seen the bottom of kind of this current unrest. But generally, I want to be a buyer when everybody else is concerned. I think of it as how can I put the most money to work possible when everybody else is a little bit nervous.

I don't know if we're at a bottom or if we've already seen the bottom of kind of this current unrest. But generally, I want to be a buyer when everybody else is concerned. I think of it as how can I put the most money to work possible when everybody else is a little bit nervous.

I don't know if we're at a bottom or if we've already seen the bottom of kind of this current unrest. But generally, I want to be a buyer when everybody else is concerned. I think of it as how can I put the most money to work possible when everybody else is a little bit nervous.

Yeah, so I'll try and keep it fairly distinct here. But when I think about wanting to retire early, what that generally means is that you're going to need a higher savings rate or a higher contribution rate to get to the finish line faster. And so...

Yeah, so I'll try and keep it fairly distinct here. But when I think about wanting to retire early, what that generally means is that you're going to need a higher savings rate or a higher contribution rate to get to the finish line faster. And so...

Yeah, so I'll try and keep it fairly distinct here. But when I think about wanting to retire early, what that generally means is that you're going to need a higher savings rate or a higher contribution rate to get to the finish line faster. And so...

I'm going to use some very broad generalizations here, but typically about 15% for folks, if you're saving a total of 15% towards your retirement, that's normally going to have you on track for what I'll call a traditional age retirement, which might be in that 60 to 65 range. Depends exactly when you get started and what you spend and kind of what your spending mix is.

I'm going to use some very broad generalizations here, but typically about 15% for folks, if you're saving a total of 15% towards your retirement, that's normally going to have you on track for what I'll call a traditional age retirement, which might be in that 60 to 65 range. Depends exactly when you get started and what you spend and kind of what your spending mix is.

I'm going to use some very broad generalizations here, but typically about 15% for folks, if you're saving a total of 15% towards your retirement, that's normally going to have you on track for what I'll call a traditional age retirement, which might be in that 60 to 65 range. Depends exactly when you get started and what you spend and kind of what your spending mix is.

So there is some nuance to it, but 15% is a really nice benchmark for to say, okay, that's probably going to get you to a normal aged retirement. If you want it to be done earlier than that, then what we probably need to do is ramp up those resources.