One's saving's rate is the single biggest factor that determines how soon one can retire.
https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/
R Quinn, just a thought as I've also observed that on a lot of your replies and comments...I'm guessing that fact shouldn't be a surprise to you, not sure how you come across in real life but on this site you often come across as confrontational and/or even rude for some reason. One simple modern suggestion that could get you a better response online (and potentially in real life also) would be to pass your reply through chatgpt or some other ai agent and ask it to make it sound a little nicer, more pleasant, or ironically...more "humane"?
Just curious, are you the same Kristine Hayes as the author? I was getting a little confused while reading through the comments but I'm guess it's more likely you have 2 accounts and are sometimes logged into one vs. the other (I know the pain) vs. 2 people with the exact same name?
https://humbledollar.com/author/kristinehayes2014/
https://humbledollar.com/author/kandegunter/
Great reminder. Have you read the now (in)famous book "Die with Zero"? I'd be curious what your thoughts are and how you think it aligns (or doesn't) with your philosophy.
For anyone hitting a paywall, here’s an unlocked article gifted to the community https://www.wsj.com/personal-finance/jonathan-clements-personal-finance-cancer-e30d1396?st=xXTkoD
Comments
One's saving's rate is the single biggest factor that determines how soon one can retire. https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/
Post: What Savings Rate?
Link to comment from September 13, 2025
Re 2), I wonder what the 2.5 x growth actually is after adjusting for inflation?
Post: Is 4.7% the New 4% Safe Withdrawal Rate
Link to comment from September 1, 2025
Richard...is that you?
Post: When relocation in retirement is not an option, not what you really want. By Dick Quinn
Link to comment from August 9, 2025
R Quinn, just a thought as I've also observed that on a lot of your replies and comments...I'm guessing that fact shouldn't be a surprise to you, not sure how you come across in real life but on this site you often come across as confrontational and/or even rude for some reason. One simple modern suggestion that could get you a better response online (and potentially in real life also) would be to pass your reply through chatgpt or some other ai agent and ask it to make it sound a little nicer, more pleasant, or ironically...more "humane"?
Post: Getting Back into the Market Now
Link to comment from May 26, 2025
"You kids get off my lawn!" much?
Post: A matter of significant financial concern – want fries with that?
Link to comment from April 10, 2025
Amazing, thank you kind gentlemen!
Post: Focusing on the Real Threat
Link to comment from March 14, 2025
Just curious, are you the same Kristine Hayes as the author? I was getting a little confused while reading through the comments but I'm guess it's more likely you have 2 accounts and are sometimes logged into one vs. the other (I know the pain) vs. 2 people with the exact same name? https://humbledollar.com/author/kristinehayes2014/ https://humbledollar.com/author/kandegunter/
Post: No “Go-Go”
Link to comment from March 13, 2025
Great reminder. Have you read the now (in)famous book "Die with Zero"? I'd be curious what your thoughts are and how you think it aligns (or doesn't) with your philosophy.
Post: Focusing on the Real Threat
Link to comment from March 13, 2025
For anyone hitting a paywall, here’s an unlocked article gifted to the community https://www.wsj.com/personal-finance/jonathan-clements-personal-finance-cancer-e30d1396?st=xXTkoD
Post: WSJ Article by Jonathan
Link to comment from December 11, 2024
Here's an unlocked article gifted to the community https://www.wsj.com/personal-finance/jonathan-clements-personal-finance-cancer-e30d1396?st=xXTkoD
Post: WSJ Article by Jonathan
Link to comment from December 11, 2024