You're delusional if you think 12%/year returns are feasible for a period of time of 30 years for the average (hell, even for very good ones) investor. On the o

You're delusional if you think 12%/year returns are feasible for a period of time of 30 years for the average (hell, even for very good ones) investor. On the other hand you're also delusional if you think it is that hard to save more than 20% on a $100k salary.