I have an idea. When I first found this website I found it extremely useful, especially this forum called FIRE & Money. However, the OP is right on in that many posters on this forum seem to have nothing to worry about using the 4% Rule yet they fret, and often brag.
So my idea, since the FIRE & Money Forum is now so big and too diverse (look at the stats), perhaps it would be better to subcategorize it? Maybe two or three sub groups such as:
• FIRE & Money 1: Those Still Trying to Achieve Their ER Goals.
• FIRE & Money 2: Those Managing Their ER Lifestyle.
I suggest this because it is hard to relate to those who are in a different place than you are. This is why that people in Group 1 have a hard time relating to those in Group 2, although those in the latter group may have good advice as to how to achieve one's goals. And only half in jest I suggest a Group 3: Those Who Inherited Their Wealth (or married into money), since they can't relate to the hard work and savings necessary for those in Group 1. And I know that to be true from all my relatives and friends who come from family money or married into it: They can't really relate to the Blood, Sweat & Tears earners, so there should be that Group 3, no?
Seriously though, I would like to have a sub forum of those who do not yet have the nest egg they would like. It would make this great ER site more useful. I am always searching for a site like that I can relate to.