[lbotos]

Do you mean "frontloading" the year? As in 1000 jan, 900 feb, etc? Or was it a typo and you meant decreasing your spending?

[beefman]

Smoothly decreasing every month for the entire savings period. Maybe it isn't popular because income tends to increase over the course of a career?

[jogjayr]

It doesn't make much sense to do logically because you can front-load a lot less at the beginning of your career. It's far better to design a sustainable lifestyle you like when starting out and aggressively fight scaling it up with your income. If you do that the numbers will work themselves out.

[beefman]

On the other hand, rising disposable income is supposed to be a good thing (annuities for lottery winners etc). Cost of living tends to rise with age, too (kids, healthcare...).

[jogjayr]

> rising disposable income is supposed to be a good thing

That's the lifestyle inflation I'm alluding to. If one can be happy spending X/year 5 years ago, why can't one be happy spending inflation-adjusted X/year today?

Agree about kids and healthcare but those aren't "lifestyle" costs.