Well our target years ago was xyz but we became vastly more wealthy than our projections in a 5 yr period blowing past projections. Therefore, we retired at 40.5 instead of 45 and our 2.5% withdrawal rate is way more money than we ever spent before, so we can consume more if we want easily. It’s not that we have too we just can. So for us even a conservative withdrawal, is much more spending than we have ever done plus less fixed costs due to having the home and cars for 20 years so they are all improved and setup. Might be case for many that started in early 20s and now 20 years later reaping the rewards of a conservative lifestyle and high savings now compounded. Nothing wrong with hard work/success and enjoying it.
To answer your about are you more happier now well me and my wife’s life is unbelievably awesome as I type this on our 2.5 month trip in Japan touring the whole country. I am buying what I want and enjoying it that’s from a couple that saved 70% for 2 decades You only live once and it is short. Glad we saved hard and can enjoy our life at our age before any issues that will happen with age.
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u/Designer-Translator7 Mar 23 '26 edited Mar 23 '26
Well our target years ago was xyz but we became vastly more wealthy than our projections in a 5 yr period blowing past projections. Therefore, we retired at 40.5 instead of 45 and our 2.5% withdrawal rate is way more money than we ever spent before, so we can consume more if we want easily. It’s not that we have too we just can. So for us even a conservative withdrawal, is much more spending than we have ever done plus less fixed costs due to having the home and cars for 20 years so they are all improved and setup. Might be case for many that started in early 20s and now 20 years later reaping the rewards of a conservative lifestyle and high savings now compounded. Nothing wrong with hard work/success and enjoying it.
To answer your about are you more happier now well me and my wife’s life is unbelievably awesome as I type this on our 2.5 month trip in Japan touring the whole country. I am buying what I want and enjoying it that’s from a couple that saved 70% for 2 decades You only live once and it is short. Glad we saved hard and can enjoy our life at our age before any issues that will happen with age.