I'm 33 and realized I needed to start saving pretty much immediately after I finished law school. At that point, my IRA from previous years just about equalled my debt. I probably saved 95 percent of my disposable income after living expenses for the two years I had my first lawyer job in Boston. Then I did the same thing for two years in Seattle. And then the same thing for one year in Billings. Then I decided I'd had enough of being a law-firm lawyer.Now I work for a local bank in their trust department - I still save a lot, but the money isn't as good as lawyer money was. Still, I think my life is better.I'm about a quarter of the way to where most of the calculators say I ought to be to retire, but the reality is that I think I could do it now if I really really had to. I'm not averse to doing all kinds of cost-cutting measures, from living cheaply abroad to sacrificing nearly every consumer desire there is.My real fear is that I've recently married, and while my wife is just as frugal as I am, I wonder what will happen if we have kids. I see children as a big wildcard in figuring out how much money one needs to retire early.dan
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