I agree with you to a point but his math checks out with 'only' making 4% (the 25x your yearly costs number to retire). I just lost about 2 years of gains in on

I agree with you to a point but his math checks out with 'only' making 4% (the 25x your yearly costs number to retire). I just lost about 2 years of gains in one year in my betterment accounts for instance. His fundamental point of making far less than you spend and not to have consumer debt is clearly sound advice.