> Plan as-if Social Security will not be there. I didn’t explicitly do this but I started to take some cues from the FIRE (Financially Independent, Retired Ear

> Plan as-if Social Security will not be there. I didn’t explicitly do this but I started to take some cues from the FIRE (Financially Independent, Retired Early) crowd, in particular the FI part. If, by the time I’m 50 (call it 20 years from now), I don’t have to work in order to pay the bills: success. At that point, I always love my job (barring the occasional rocky period) or I bounce, no second thoughts. To that end, most of my disposable income (admittedly, as a relatively high earner) goes first to max out the employer contributions to my 401(k) (might as well be extra salary), then to max out my yearly contributions to my HSA, then to an ITA at a hedge fund. (My income recently passed a threshold which lowered my maximum yearly contributions to a Roth IRA so I stopped regular contributions to that in order to avoid the need to keep track of what my limit actually is. This isn’t recommended; I’m just lazy.) > it snowballs so much faster than people think Indeed, I seem to be well on my intended track and I didn’t start doing this in earnest until ~5 years ago. As it’s been said: best yesterday, second best today.