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I guess my challenge is that my current NW/AI is acually around 7 or 8 at age 37. I could get fired from my job, be forced to work for minimum wage and my "FIRED" ratio by your calculation goes up to 100 to 110 or so, when my situation has acutally worsened substantially... The ratio really doesn't make sence to me... Whereas by calculating by useing my net expense (my accustomed to living expenses) it really dousn't matter what I make, it matters what me and my wife are used to spending.

My 2 cents worth...

1putt
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