re: Retirement Income Goals for planning purposes.

quote:

---

Isn't Dave Ramsey's Plan the most astute, though, for most people? Just spend less or spend moderately and SAVE. That's the best plan for Retirement Planning and Retirement LIVING, it seems to me.

---

I've read a lot of Ramsey's stuff but that's not where I'm coming from.

I don't believe there's a reason to panic about not saving enough. The best plan IMO is to save a certain % of your income, write it down on paper and do it, and move on with life.

Life happens, shite happens, luck happens. You can only plan so much.

If you save ALL of your money for retirement, you aren't enjoying life while you are younger more fully. So there's always a give and a take. You can only do so much.