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re: 45 Years of age, at what level would you stop saving for retirement?
Posted on 9/8/26 at 6:01 pm to weagle1999
Posted on 9/8/26 at 6:01 pm to weagle1999
It’s not 1990. 1.3 these days don’t go far in retirement
This post was edited on 9/8/26 at 6:02 pm
Posted on 9/8/26 at 7:07 pm to fareplay
Who said anything about retirement? 
Posted on 9/8/26 at 10:42 pm to Big Scrub TX
How old are you?
Posted on 9/8/26 at 10:58 pm to TheOcean
quote:
I'm technically at a level at 38 where I could not invest another penny and would not have to worry about retirement. But what the frick am I going to spend my money on? There's only so much shite you can buy
Deer hunting. The bug bit me 20 years ago and it’s only gotten worse the more money I make.
Posted on 9/8/26 at 11:01 pm to nolaks
Retirement isn't good for your health. While I'm saving a lot, I wouldn't stop at 45, too many ups and downs over time.
Posted on 9/9/26 at 4:22 am to Billy Blanks
Early retirement has been best thing ever for my health. It's those that retire when old and/or already unhealthy that tend to drift further into bad habits and sedentary lifestyle precipitating a rapid decline.
Posted on 9/9/26 at 7:32 am to nolaks
quote:
and had $800K or more in retirement
If it were only as easy as everyone having the same magic number.
Posted on 9/9/26 at 10:21 am to Snipe
Posted this thread because i saw something and it made me think a minute about what people should or shouldn't do. Seems to have struck a nerve with many on here as well.
Posted on 9/9/26 at 10:29 am to nolaks
Stop saving for retirement? NEVER!
Today’s prices will never go down. History and common sense dictate the cost of living will continue to increase with time.
$800k is not a lot of money.
Today’s prices will never go down. History and common sense dictate the cost of living will continue to increase with time.
$800k is not a lot of money.
This post was edited on 9/9/26 at 10:30 am
Posted on 9/9/26 at 10:49 am to TigerChick2018
quote:
$800k is not a lot of money.
With a mortgage payment and car notes. It’s not a lot of money.
Without a mortgage payment and paid for cars and zero revolving debt. 800k along with social security benefits should be a nice little cushion for most.
Posted on 9/9/26 at 11:28 am to TorchtheFlyingTiger
quote:
t's those that retire when old and/or already unhealthy that tend to drift further into bad habits and sedentary lifestyle precipitating a rapid decline.
Which describes 90% of boomers.
Posted on 9/9/26 at 11:41 am to Paul Allen
It should be but it is not …. One good emergency can wipe most of that out in a heartbeat.
Posted on 9/9/26 at 11:47 am to Rize
quote:over 50
How old are you?
Posted on 9/10/26 at 10:57 am to Big Scrub TX
I feel like none of this is knowable anymore and it's all just wild guesses.
I see people talking about retiring in 10-12 years and I think that's pre-AI planning and ignoring the future.
I really think we're about to get disrupted in a way we never could imagine. I'm not necessarily talking about extinction but I do think white collar work is going to get hammered.
I honestly don't know how to prepare. In the old way, I could retire now, but there are so many unknowns.
I could get laid off in a year. Prices could plummet due to tech gains and maybe we don't need as much to live.
Maybe I'm buying into the hype too much, but I find it really hard to plan with so many variables. Even predicting an average stock market return seems flimsy. Stocks could soar as production goes wild and labor costs drop but this could be a giant bubble and the market loses half its value.
Strange times to be alive.
I see people talking about retiring in 10-12 years and I think that's pre-AI planning and ignoring the future.
I really think we're about to get disrupted in a way we never could imagine. I'm not necessarily talking about extinction but I do think white collar work is going to get hammered.
I honestly don't know how to prepare. In the old way, I could retire now, but there are so many unknowns.
I could get laid off in a year. Prices could plummet due to tech gains and maybe we don't need as much to live.
Maybe I'm buying into the hype too much, but I find it really hard to plan with so many variables. Even predicting an average stock market return seems flimsy. Stocks could soar as production goes wild and labor costs drop but this could be a giant bubble and the market loses half its value.
Strange times to be alive.
Posted on 9/10/26 at 11:16 am to ghost2most
quote:IMO, you shouldn't think about "retiring early" until you have at least $10M in net worth, hopefully more liquid than not. In the meantime - I agree with you: squeeze as much as you can out of lucrative white collar roles while they last.
I feel like none of this is knowable anymore and it's all just wild guesses.
I see people talking about retiring in 10-12 years and I think that's pre-AI planning and ignoring the future.
Posted on 9/10/26 at 12:40 pm to Big Scrub TX
Well I’m a long long way from $10 million.
Posted on 9/10/26 at 4:31 pm to Big Scrub TX
quote:
IMO, you shouldn't think about "retiring early" until you have at least $10M in net worth, hopefully more liquid than not. In the meantime - I agree with you: squeeze as much as you can out of lucrative white collar roles while they last
I would love to hear your rationale on why the average person needs $10m to retire
Posted on 9/10/26 at 6:16 pm to Big Scrub TX
$10M with most being liquid is a very high number.
There isn’t much requirement for $300K+ annually using a conservative SWR.
There isn’t much requirement for $300K+ annually using a conservative SWR.
Posted on 9/10/26 at 8:32 pm to nolaks
Our net worth was way more than we could possibly spend in retirement, and I was still maxing out my 401k just to shield income.
Posted on 9/11/26 at 1:23 am to Big Scrub TX
quote:
IMO, you shouldn't think about "retiring early" until you have at least $10M in net worth
Sure Suze. Even with inflation, that's gonna buy a lot of jackets.
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