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Old 04-02-2011, 05:22 PM   #21
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35? Good for you! 21 years ago, when I was 35, I didn't think much about retirement although I lived frugally and contributed the max to my 401K. However, I bought things I really wanted/needed like a new car every 10-15 years and a house. It was important to me to live well but make wise financial decisions along the way. You can have fun and save up, IMO

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Old 04-02-2011, 06:24 PM   #22
Recycles dryer sheets
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Join Date: May 2009
Location: Tampa
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Just stick with saving a % of your pay and go from there. It worked for me. Good luck and enjoy life.

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Old 04-02-2011, 06:56 PM   #23
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Originally Posted by accountingsucks View Post
I should be happy at my financial position in life, however in updating my quarterly NW, it just got me more depressed than anything. I am planning a modest retirement in about 10-15 years with a 3.3% withdrawal rate (30X expense - not comfortable with 25X and think 33X is excessive). Anyways this means that I need $1.x million saved up to retire. I realize today that I've gotten the .x part or very close to it, but I still have the $1 part to go. $1 as in $1,000,000. I don't care what anyone says but that is still alot of $. Seems like I'm at the bottom of a very long hill. Don't mind me, I'm just going to go pinch some pennies..........
I remember your one of your first posts. I thought I had replied to it, but I guess better judgement stopped me, or the history is too short.

I will now make a suggestion that that I thought I had made. You are going to have to spend a fairly large portion of your life working. If you don't like the job you have, find one you do like. They are out there. Get a job you like, spend a bit today and save for tomorrow.

There are two kinds of people in the world: those who can extrapolate conclusions from insufficient data and ..
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