More Savings Rate Punishment

In this on, I highlight the leveling up paths at four different maximum spending levels:

$1000, $2000, $3000, $4000

We see that if you go w/ $2000 or less and aim for $100k+ jobs, your retirement is possible in less than 15 years and less than 10 if you are especially crazy ($1000).

$150k brings that range down to 6-10 years.

But if you spend at the $4000 level, you’re looking at a minimum of 20 years even at the $150k level.  At the $100k level, it’s a 40 year career.  Hope you like your job!

[Note: all of this assumes a constant level of spending over time.]

savings punishment 6.PNG


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