To be honest it vastly depends on what you expect to need in retirement. Based on my current salary and estimated retirement payment (which some online calculator calculated at ~2/3rds my income) I'm still slightly below what I should be saving for that. But by then I will both need more money to take care of family (hopefully) and less money since I should have long paid off my house and car by then.

My salary is much higher than household average but far from unheard of in tech. There are definitely some scrappy college grads getting offers higher than it. and I have 3+ decades to increase it.

You only expect to need one car from now through the end of your retirement?

Ha, okay fair. But I'm hoping any subsequent cars can be bought outright instead of under a plan. But who knows with inflation?

Post retirement I should definitely have the finances to get some pretty nice sports car.

>And I'll work until I'm 75

If you’re lucky. Modern medicine still has yet to solve most major disabilities for people in their sixties. It will be hard to work if you’re suffering any of the innumerable disabling diseases. What will you do then?

Suicide. My plan is to die at work, so my family gets the massive life insurance payout. My employer carries 7 digit plans on every employee, for no cost to us.

That's real, by the way. Like I said, really good benefits.

For anyone concerned about my mental health - Don't link to anti-suicide things. I'm talking in like 30 years. I do not have a plan, yet.

This is not a good strategy. Your job is likely not as secure as you think, particularly once you are legitimately elderly.

I see you're unfamiliar with higher education.

All joking aside, it seems to be the one area that only wants the elderly.

Too bad by that time, someone will have figured out how to look up everything you've ever posted online to dig up insurance-invalidating comments like this one.