14k/year is still quite a lot of money to just have laying around, assuming you wanted to retire for 20 years thats at least 336k, not even including all the "a

14k/year is still quite a lot of money to just have laying around, assuming you wanted to retire for 20 years thats at least 336k, not even including all the "ad hoc" money you'd need to have. Maybe most people do have 350k in savings though, but yeh, sadly I do not