Generally good advice for the younger folks - get started saving early, save before you spend, and avoid lifestyle creep. But when she gets to the 40s, the author veers off into standard financial planner BS with this: "Are you on track to replace 85% of your income in retirement? Will you have to stretch out your retirement timeline?" No mention of figuring out your actual spending needs in retirement. And then there's this gem: "Some 50-somethings may view retirement as the only way to end a career they are so over — but 'don't get trapped into retirement as an escape from your job,' Garrett says. 'That often leads to a decision to retire before you're truly financially ready.'" Again, no mention of how to figure out when you are truly financially ready. I guess we're supposed to pay big bucks for a financial planner to figure that out for us. And the answer will probably be "85% of your pre-retirement income. Keep working."