Plus the biggest factor in how much you need to retire is what your expenses are. Significantly lowering your expenses boosts the savings rate but it also lower

Plus the biggest factor in how much you need to retire is what your expenses are. Significantly lowering your expenses boosts the savings rate but it also lowers that target number. For me, it's a question of values. I'd rather live frugally and have more freedom than trade away more of my time to have more stuff and convenience in my life. For others, the balance is different.