I agree in that while it is a thought exercise, is it providing any sort of useful or actionable information? I mean if you haven't saved enough to retire, then you keep saving. If you have saved enough, then do whatever you want including save more to enable higher spending in retirement. Determining the relative "usefulness" of your savings in a year in comparison to likely investment returns is not helpful.Can I ask what you are trying to accomplish? Trying to figure out when to stop saving? When to give up?
I’d keep saving until you have “enough” in the famous words by Mr Bogle. How much is enough is a good question I think.
Because until you have enough every dollar will help pay for a meal you may need.
Imho The idea at to ask at what point is saving futile seems to be asking the wrong question in retirement planning.
Statistics: Posted by docL — Sat Jan 20, 2024 7:11 am — Replies 32 — Views 3940