[j0hnyl]

There's another thing that no one really mentions within this context and it's that people who are saving usually want to retire into something better, not the same slog they've been living while saving. That's why it's ridiculous when you read these FIRE forums and people get feedback like "Why do you need more money if your spending is only X".... well my spending is only X, because I'm saving to build a war chest for financial independence where I can actually live a better quality of life than I do presently.