The 401(k) is savings, the equity in the house is savings, the extra $7K is gravy and it'd be $13K if they took one less vacation https://twitter.com/reformedbroker/status/845251220038193152 …
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but they're 'problem' is they aren't 'f*** you I'm rich'.
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They aren't in any sense living hand-to-mouth, for one thing they're insured heavily the way poor ppl can't afford to be
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They have all kinds of options if they have a sudden expense. Stop the charity donation. Skip the vacation. Refi the house.
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(I work in NYC in retirement consulting (corporate, not individual)) - interesting how people prioritize their spending
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