50% is high for most, but seems like a good target for the upper-middle class outside of HCOL areas. I'm amazed at how many high-income folks save 5-10% and vie

50% is high for most, but seems like a good target for the upper-middle class outside of HCOL areas. I'm amazed at how many high-income folks save 5-10% and view the rest of their income as blow money. If you have the means save aggressively, you may well be able to retire 10+ years earlier than the standard. Yet millions people are foregoing a decade of freedom in exchange for the fleeting satisfaction that comes from having marginally better stuff.