> The premise is you only need about 20-25 years of expenses saved up What happens in 20-25 years, if you’re 35 now? Your net worth hits zero right when you tu

> The premise is you only need about 20-25 years of expenses saved up What happens in 20-25 years, if you’re 35 now? Your net worth hits zero right when you turn 55-60, and have years left until you get social security? All so that you can live with zero luxuries for the best years of your life, and have no family to pass anything onto? I’m sorry but it just seems like a huge misplacement of priorities to me, to forego so much potential to retire that early. To me, the priority is the ability to simply say “fuck off” to my boss if I’ve had enough one day, and have enough saved up to absorb the mistake, if it turned out to be one. Having that fallback in the back of my mind means I’ve basically already won, I’m just racking up the score until that day comes. But until that day, there’s zero reason not to continue banking everything I have. Deciding “that’s probably enough, I should walk away now” at age 35 seems like one of the biggest mistakes you can make. 50? Maybe. 45? Maybe not. But 35? Huge mistake IMO.