[tkojames]

Depends though. For example if you are say 30. Own a house with decent mortgage cheaper than rent. If you have let's say more invested than your total debt including mortgage not counting hopefully equity in the house. Plus 2-4 years invested in taxable account. Why not go 100 stock in retirement accounts.

Working in tech you can bank alot of money quickly. If you keep your lifestyle low. Then if something happens and everything blows up. If you have enough saved you can get by. Plus alot benefits in the united states are based on income not assets.

I have thought a lot about this. I have been extremely lucky to fall into a decent tech job that is way better than working for my local university a few years ago.

Our current spending for a year with so and I is around 60k a year.

The 4 percent rule says that is about 1.5 million or so. Not there yet plus I like working so far.

But if I have say 500k saved and something happens. I can withdraw around 20k a year. But if let's both of us got minimum wage jobs. So 30 an hour total we can cover that gap.