Ross Anderson

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.

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.

If we can get to saving 20% or 25% of your income, and some people in the FIRE movement you'll see end up saving really, really large percentages of their income, And that's because they have that goal to be done sooner, right? So we have to build capital sooner, and we've got less time for that money to compound.

If we can get to saving 20% or 25% of your income, and some people in the FIRE movement you'll see end up saving really, really large percentages of their income, And that's because they have that goal to be done sooner, right? So we have to build capital sooner, and we've got less time for that money to compound.

If we can get to saving 20% or 25% of your income, and some people in the FIRE movement you'll see end up saving really, really large percentages of their income, And that's because they have that goal to be done sooner, right? So we have to build capital sooner, and we've got less time for that money to compound.

And so if we're thinking that way, then how aggressive you want to be leads down kind of two paths. Number one is we need to think about what that savings rate is. What can we really get to? And it is a balance, as you said, right? We're balancing how do we live today with how ambitious do we want to be towards that savings goal?

And so if we're thinking that way, then how aggressive you want to be leads down kind of two paths. Number one is we need to think about what that savings rate is. What can we really get to? And it is a balance, as you said, right? We're balancing how do we live today with how ambitious do we want to be towards that savings goal?

And so if we're thinking that way, then how aggressive you want to be leads down kind of two paths. Number one is we need to think about what that savings rate is. What can we really get to? And it is a balance, as you said, right? We're balancing how do we live today with how ambitious do we want to be towards that savings goal?

And the second thing that I don't think it's talked about as much or enough is where are we saving? So if you wanted to be retired at 50, for example, you don't have full access to your retirement accounts, right? When you're putting money into 401ks or Roth IRAs, right?

And the second thing that I don't think it's talked about as much or enough is where are we saving? So if you wanted to be retired at 50, for example, you don't have full access to your retirement accounts, right? When you're putting money into 401ks or Roth IRAs, right?

And the second thing that I don't think it's talked about as much or enough is where are we saving? So if you wanted to be retired at 50, for example, you don't have full access to your retirement accounts, right? When you're putting money into 401ks or Roth IRAs, right?

And there's nuances and rules to all of this stuff where you may have an exception or two, but you don't have unrestricted access to that money. And if you're trying to take... Whatever you're saving as your nest egg, you're going to go overseas with it, buy a house and start living on your resources.

And there's nuances and rules to all of this stuff where you may have an exception or two, but you don't have unrestricted access to that money. And if you're trying to take... Whatever you're saving as your nest egg, you're going to go overseas with it, buy a house and start living on your resources.

And there's nuances and rules to all of this stuff where you may have an exception or two, but you don't have unrestricted access to that money. And if you're trying to take... Whatever you're saving as your nest egg, you're going to go overseas with it, buy a house and start living on your resources.

You want to make sure that it's accessible and that it's not causing you really big tax headaches. And so that would be the other really big focus I would have is make sure that you're still getting your match in your 401k, right? Anything that you can do to get free money, we should do that.

You want to make sure that it's accessible and that it's not causing you really big tax headaches. And so that would be the other really big focus I would have is make sure that you're still getting your match in your 401k, right? Anything that you can do to get free money, we should do that.

You want to make sure that it's accessible and that it's not causing you really big tax headaches. And so that would be the other really big focus I would have is make sure that you're still getting your match in your 401k, right? Anything that you can do to get free money, we should do that.

But you may also want to prioritize saving in just a brokerage account and building wealth outside of your retirement accounts because you may need access to them way before you traditionally would have kind of easy access to those retirement dollars.

But you may also want to prioritize saving in just a brokerage account and building wealth outside of your retirement accounts because you may need access to them way before you traditionally would have kind of easy access to those retirement dollars.

But you may also want to prioritize saving in just a brokerage account and building wealth outside of your retirement accounts because you may need access to them way before you traditionally would have kind of easy access to those retirement dollars.