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All you need to worry about is math. Nothing else. Don't worry about saving just because it feels good. For example, if you assume an average rate of return of 7% (which isn't unreasonable when growth and dividends are accounted for; in fact, it may be a bit modest), then if you don't start saving until you are 30, start with nothing, put $1200 aside each month after that, and retire at 65, you will have $2.1M in assets. I think one can retire on that, especially when combined with social security, assuming it still exists when you are retirement age. The point is, don't rely on moralisms or shame when it comes to money; rely only on mathematics.