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IMHO, this is too big of an assumption. Is it doable, probably, but I would stick with a more conservative 8-10% return.

As far as the rest of the thread talking about expensive vacations. It is a balancing act, enjoying yourself now while saving for the future. As long as you are happy with when you can retire, I say keep taking the vacations, live a little now. Life is a journey not a destination, blah, blah, blah.

Food for thought. Hopefully you'll be getting pay raises in the future. Decide now that you'll save 30-50% of your future pay raises.


IMHO, the OP would need to save much more than 30-50% of future raises if he really wants to FI/RE. Why not strive for saving ALL (or maybe 90%) of future raises? He's living just fine on the amount he makes now. Increasing one expenditures as salary increases is an almost sure-fire way NOT to meet the FI/RE goal.

I think 10-11% (the OP's current savings rate) is a bare minimum for retirement (at the standard retirement age) for an age group that can't depend on SS and/or a pension. To achieve FI/RE requires much more aggressive saving.

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