[astura]

Your lifestyle/spending in your 20s and 30s has little to do with your retirement lifestyle/spending. Especially if you're rasing children...

[el_cid]

And is that an argument not to plan at all? Of course you can't pinpoint an exact figure, but it still pays off to plan even on a ballpark figure.

[astura]

No....

I did not say don't plan at all, just think about the lifestyle you may have in the future, not the one you have now.