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We do understand... But if you want the money and want to retire early...that's the price you pay unless you're very lucky. Given the salaries O.P. and partne

We do understand... But if you want the money and want to retire early...that's the price you pay unless you're very lucky. Given the salaries O.P. and partner seem to be making, they could prolly power thru and retire in 5 years? 10 years tops ? Also, if retiring at 45 or 50 leaves you 'sad', I'd question your assumptions about retirement? Working for 25 years, and having another 50+ years of retirement ahead of you makes you sad? P.S. I don't do the "perpetual interest" thing..Even if you're very optimistic, 110 years should be plenty. I have mine based around 75-80. You'd be surprised how much that lowers what you 'need' to retire..

loopz 5y ago
You truly don't, if you think money has any intrinsic worth rather than how you choose to live your life. Let's say you sacrifice 10-15 years with a life miserable, but very fulfilling regards to money. How does that shape you as a person, and how will that shape your life after retiring early, rather than living another life, not ruled by currency? Some of us have already chosen differently, and have no problems regarding life's choices now, with or without Covid. That self-integrity and intuition just can't be bought with money. For others, there may be no choice. But then the question would never arise..
- mech422 5y ago
  that sounds very nice and all, but unless you're independently wealthy or someone else is supporting you, you're making the same trade off as everyone else. You've just opted to take a long slow path vs others that just want to get it over with. Your still going to need some baseline amount of money to survive, whether you make it 'all at once' or slowly over the rest of your life. And as long as you're working, your going to have some percentage of bad days, days you don't want to be there, etc. Its the same formula, only the parameters have changed. Also, if being miserable at work 'shapes you as a person' or has a substantial impact on your 'self-integrity' it sounds like you're the one defining yourself via work? More outside activities might help? You have to be able to leave work behind at the end of the day... I grew up in a mill town with a large part of the population hating what they did..but they did it every day for 20 or 30 years to take care of their families. For most, being miserable at work wasn't the defining facet of their lives. They had hobbies, coached little league, and did a million other things. While it was far from perfect, most of the people I knew didn't 'let the job get to them'. As for the choices you made - good for you :-) Glad you found a set of parameters that works for you! :-D

loopz 5y ago

You truly don't, if you think money has any intrinsic worth rather than how you choose to live your life. Let's say you sacrifice 10-15 years with a life miserable, but very fulfilling regards to money. How does that shape you as a person, and how will that shape your life after retiring early, rather than living another life, not ruled by currency? Some of us have already chosen differently, and have no problems regarding life's choices now, with or without Covid. That self-integrity and intuition just can't be bought with money. For others, there may be no choice. But then the question would never arise..

mech422 5y ago
that sounds very nice and all, but unless you're independently wealthy or someone else is supporting you, you're making the same trade off as everyone else. You've just opted to take a long slow path vs others that just want to get it over with. Your still going to need some baseline amount of money to survive, whether you make it 'all at once' or slowly over the rest of your life. And as long as you're working, your going to have some percentage of bad days, days you don't want to be there, etc. Its the same formula, only the parameters have changed. Also, if being miserable at work 'shapes you as a person' or has a substantial impact on your 'self-integrity' it sounds like you're the one defining yourself via work? More outside activities might help? You have to be able to leave work behind at the end of the day... I grew up in a mill town with a large part of the population hating what they did..but they did it every day for 20 or 30 years to take care of their families. For most, being miserable at work wasn't the defining facet of their lives. They had hobbies, coached little league, and did a million other things. While it was far from perfect, most of the people I knew didn't 'let the job get to them'. As for the choices you made - good for you :-) Glad you found a set of parameters that works for you! :-D