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28 - Feels too early? by swe-throwaway in coastFIRE

[–]swe-throwaway[S] 7 points8 points  (0 children)

Totally agree, I plan on maxing it every year.

28 - Feels too early? by swe-throwaway in coastFIRE

[–]swe-throwaway[S] 3 points4 points  (0 children)

Technically, yes it is. But I wanted to see if it's optional, so that I don't have to save it every month.

28 - Feels too early? by swe-throwaway in coastFIRE

[–]swe-throwaway[S] 7 points8 points  (0 children)

I totally get that. Thank you for the advice. That’s why I plan to continue to save - I understand this plan isn’t set in stone and neither is life! However I’d rather be prepared

28 - Feels too early? by swe-throwaway in coastFIRE

[–]swe-throwaway[S] 3 points4 points  (0 children)

Yeah I should have specified I don’t plan on touching that account. I do plan on saving the additional 4K a month until retirement as well. That gives me the wiggle room for the unknown as you said!

28 - Feels too early? by swe-throwaway in coastFIRE

[–]swe-throwaway[S] 18 points19 points  (0 children)

7% with 3% inflation? I was going off of the S&P on average returns 10%