I hate to see so bleak a future, however two years ago I quit my job and started freelancing at 38. That has made me much, much more aware of the need to save m

I hate to see so bleak a future, however two years ago I quit my job and started freelancing at 38. That has made me much, much more aware of the need to save money. It's not hard to make a simple spreadsheet and see when you're able to retire. I suggest everyone does so. It's very interesting to see your retirement date move up when you change your savings rate.