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Reply to "When does contributing to your portfolio start to feel pointless?"
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[quote=Anonymous]Two quick thoughts: 1) Rather than looking at the expected return versus your contributions, look towards your ultimate goal. Even if expected returns are 10x your contributions, if you have a specific goal to retire at a certain age with a certain net worth, the contributions might be what gets you there on time. On the contrary, if you are way ahead of your savings goals, you can use that as barometer to start saving less. 2) IMO one of the most important things about saving money is simply not learning not to spend money. If you start spending an extra 100k on your lifestyle now, you will likely become accustomed to it and need it going forward, which will increase the total amount you need to retire comfortably.[/quote]
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