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Sunday on a cool (almost summer) night before the chaos of a monday work day... does it bother anyone else besides me that when you sum up the widsom of this board - whether it's a 2% SWR or 4% ... a full days days work - if saved for FIRE afetr basic expenses - only adds between 2 or 3 cents a days to the retirement portfolio.
That is if you make 100K per year and can save $300 a day after expenses, that gives you $300 in the investement portfolio and now you can wiithdraw another 3.2 cents a day.
Sure, that 3.2 cents a day for the rest of your life, and it adds up like to almost 75 cents for a month's work. But the point is, another day worked only adds 3.2 cents to the daily retirement withdrawl.
So ... am I really going to work tomorrow just for a few pennies ... I guess so. Glad it accumulates overt time, but it sure seems slow at times.
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