re: What retirement savings balance is your goal, and by what age?

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but Alzheimer’s haunts my family on both sides. Like anything else it’s part of my risk arse

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And too the dipshit expert that implied your plan was too simple...and I doubt he knows shite...he's not taking this into account. Alzheimer's affects the frontal lobe which is our impulse and decision making screening/control center. Before even measurable memory deficits are detectable, a classic early sign is impulsive behavior out of the norm (financially, sexually, anger etc) which leads to bad money decisions and mismanagement. I've seen many a fortune/retirement destroyed because this wasn't picked up on and the person is still functioning at a high enough level to declare them incompetent. So, keep you plan. Make sure your spouse/children/financial advisor know it and have them watch for it. Unfortunately, a sick brain won't pick up on it. So, when you look at finances and plans, the answer isn't simple and is different for each person. There are general guidelines, just as in medicine, but each person and case is unique.

So in short...keep up the good work and frick that guy!