I should expect 20% pay raise every year? At 30, I guess I averaged that over the last 12 years I worked (well off by $1/hr from it), but I don't think it is a

I should expect 20% pay raise every year? At 30, I guess I averaged that over the last 12 years I worked (well off by $1/hr from it), but I don't think it is a reasonable expectation. What I wish I would have done sooner is invest in more alternative income streams. I spent a lot of my time creating wealth for others instead of myself. I didn't even start saving for retirement until I was 26. So I guess that is my advice, put your money to work so that you can weather a storm.