Realized I’m over saving.

[Anonymous]

We are in our early 40s and ahead on or our retirement savings goals. We are not changing anything at this point, but figure in about 10 years we can reevaluate. Our kids will be fully launched, our home will be paid off, etc. Reevaluate to us means someone might drop to part time work, someone might explore a different career path, etc. I don’t think either of us would be happy fully retired, but we will be grateful for the flexibility over saving will allow us.

[Anonymous]

I don't think you are over-saving at all, and the way inflation is going, $4m will be the new $1m.

[Anonymous]

If you think 4 million at 45 is sufficient to retire, you need to educate yourself more. And that’s not even factoring in inflation.

[Anonymous]

Anonymous wrote:If you think 4 million at 45 is sufficient to retire, you need to educate yourself more. And that’s not even factoring in inflation.

This is after accounting for inflation, bozo. 1M now and investing 6100 a month at 7% REAL return is 4M in 15 years, after adjust for inflation

[Anonymous]

Anonymous wrote:

Anonymous wrote:Get a boat or a plane and you'll be rid of this problem in no time.

Im a saver, not a consumer. Consuming is for the sheep. Do people just undo all their progress by buying things they don’t need?

You're worse than a sheep you're a rock.

Invest in creating something of value.

[Anonymous]

We always over saved but we also kept resetting our goals because things change. We both enjoyed our work so that until we became empty nesters we never talked about retiring. When our youngest left home I retired from my big job and joined a non profit plus started taking art classes. I loved it! My husband stayed with his big job for another ten years because he enjoyed the work and was very well compensated. Plus, all of his friends were working. He finally retired because the travel was wearing him down. We ended up with far more money than we’d ever need so we donate large amounts plus we have a small army of grandchildren.

[Anonymous]

you're going to stop working at 42 with what 3.5M? Or 4? Post is unclear...

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Get a boat or a plane and you'll be rid of this problem in no time.

Im a saver, not a consumer. Consuming is for the sheep. Do people just undo all their progress by buying things they don’t need?

Maybe spend that money on apostrophes then

Well you couldn't afford a period so...

[Anonymous]

Buy some art. Makes you happy, helps the world. Congrats on your success. Maybe you could also use it to fight fascism and climate change? That’s pretty existential stuff that will affect absolutely everyone on every level eventually.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Get a boat or a plane and you'll be rid of this problem in no time.

Im a saver, not a consumer. Consuming is for the sheep. Do people just undo all their progress by buying things they don’t need?

You're worse than a sheep you're a rock.

Invest in creating something of value.

This makes no sense. PP is correct. Consumerism is empty and it destroys the planet and will never fill you up.

[Anonymous]

Anonymous wrote:Buy some art. Makes you happy, helps the world. Congrats on your success. Maybe you could also use it to fight fascism and climate change? That’s pretty existential stuff that will affect absolutely everyone on every level eventually.

no op DO NOT buy art!

[Anonymous]

Anonymous wrote:Buy some art. Makes you happy, helps the world. Congrats on your success. Maybe you could also use it to fight fascism and climate change? That’s pretty existential stuff that will affect absolutely everyone on every level eventually.

LOL. Let me guess, donate money to orgs who use to to fund fake KKK rallies like the SPLC did? While paying org leaderships massive salaries? I guess that makes some people sleep more easily, knowing they've done their bit (ROFLMAO).

Still haven't figured out where these "fascists" are. Unless it's that guy up in Maine with an actual Nazi tattoo? Oh, wait, that's the Democratic progressive candidate. Got it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Get a boat or a plane and you'll be rid of this problem in no time.

Im a saver, not a consumer. Consuming is for the sheep. Do people just undo all their progress by buying things they don’t need?

You're worse than a sheep you're a rock.

Invest in creating something of value.

This makes no sense. PP is correct. Consumerism is empty and it destroys the planet and will never fill you up.

Sheep buy all the crap being peddled today. All those idiots "following" "influencers" throwing their old crap in the trash so it can sit in a landfill and ruin the planet for 100's of years. The buy all this garbage and they're all still so freaking miserable. True happiness is minimalism. Realizing you have been had all those years and you are free now.

[Anonymous]

I am still working but I can do things like refuse the return to office nonsense. I expected to be fired but got a raise instead. I assume my team did not want to either.

I don't take any nonsense from higher ups. People think I am brave and/ or principled... but I am just financially independent. Highly recommend.

[Anonymous]

Anonymous wrote:We are at that point, having been savers our entire lives and are at the other end. One of us stopped working, the other still works a passion job. We are traveling more, we did spruce up the house a little bit (paint and throw pillows level of spending), our kids are launched. We visit them in different states, try to do at least one, international trip and a couple of national vacations each year. I understand it is a high class problem to have, but spending, instead of saving, is a hard switch to make when you've been doing one for nearly 40 years

I hereby enter the aforementioned comment into the DCUM canon. "We saved $4M because we never bought throw pillows."

The forum has officially evolved from "we shop at Aldi's."

Bravo DCUM saver!