Keep on keeping on all ..
I haven’t calculated my savings rate in a few years now, it’s ok .
It’s roughly 40-60%
I’ve recently started trying to save a bit in non-pension accounts as there are age limits in the uk & no workarounds that are not legally bending the intent of the law to get your pension money early.
Also a cash buffer helps you stay comfortable and able to pick up bargains if and when others are trying to sell illiquid assets, art works, cars, jewellery, watches. “There is tide & time in the affairs of men” and here the tide is going out & we get to see whos out of their depth ..
When i first started the FI journey i was getting the calculator out every hour or two , i think i’ve accepted it, obviously seeing your portfolio expand helps .
The glide path with no extra payments is there, achievable in 8-10 years time depending on the markets , the 200% matched company pension payments are now only adding to that, the company share scheme with 33% matching shares are all maxed out !
I don’t feel jealous of people with millions, i only have hundreds of thousands & it’s enough for me here , the money game has been won long term insofar as i define it . The extra is just layer upon layer of security & peace of mind which is nice.
Maybe i could push myself to go earlier but my life, my home , my partner , my job , my cat & my garden are just fine.
Stay the course team 29’ i’m sorry i don’t post more often but what more would you know of me ?
There will come a day when you don’t need to know what your worth other than “enough”.
I hope you get there soon if you’re not there already .
Bestwishes .
