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[quote=Anonymous][quote=Anonymous][quote=Anonymous]If conservative lets you sleep at night, then good [/quote]

As long as she's OK with never retiring, sure.  [/quote]

“Never retiring” is pretty extreme.  As I mentioned earlier, I spend about $35,000 per year.  Using the 4% rule, that means I need less than $1 million to retire.

As I also mentioned, I’m now earning $140,000 per year.  How difficult can it really be to save/invest $1 million if I make $140,000 and spend $35,000 a year, even starting now at age 42?

I mentioned that the $140,000 income is shaky, but that is actually a big part of why I feel that I need so much cash.  Businesses are basically cash cows that keep spitting out money, but they take some time and money to build.  I feel that keeping $150,000 to build a new business if needed will pay out more in the long run than the 7-8% I’d get from investments.

While I do feel that I have a much higher need for safety than I see in others around me, I think part of the discrepancy is that people who have only worked as employees don’t understand the cost and process involved in starting a business.[/quote]

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