@Loving Life,
Great post!
From the various finance articles I have read, one of the biggest goals people should have is to be debt free and clear by their retirement (sooner is better).
We put about 18% of our pay into various retirement accounts.
We have a financial advisor (a free perk from our credit union. IF you have a credit union check and see if they offer this service! You cannot beat free!). When we first started seeing him, we told him to plot out our retirement with the assumption that SS would NOT be there! At first, he thought we were nuts. As more and more news came out about SS going bust in 2033, baby boomers retiring, etc. he then saw the light and is on board with our thinking.
Health care costs are the real black swan for many people.
Not sure what the average age of people is on this forum. I do get the impression it is generally older 40/50/60ish.
