"by age 40 you should have savings equal to three times your annual salary" Jesus Christ this is ruinous for people who wasted away for years in grad school before taking a tech job in their early 30s
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(You can model large jumps, such as inheritance--you can model annual increase in income/increase in savings--you can model 25th% percentile returns/50th% percentile returns--etc.)
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The pressure to over-save is trying to optimize the strategy to make your high score at actuarial death go up.
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