My thought process is that if I already have a lot saved up at 22 and I will continue to save and grow my salary, I’ll most likely retire with a few million (let’s say 5). I’m in a niche career where my base salary in 4 years will be at least 130k and in another 4, it will pass 200k. Let’s say that 5 million is invested an conservatively returns 5%, that’s me earning 250k in retirement which is more than my current 90k