When working towards retirement and financial independence, your savings rate is one of the most important numbers. The more you save each year, the faster you'll be able to retire – that's obvious
You're starting with a time period of based on just your savings rate. Saving this much isn't a sprint, or even a marathon but a hike. Depriving yourself for a few months, only to be exhausted, or spend more the following months, isn't going to have a positive impact. Pace and progress are the keys.
Instead, make changes that make your life better, and that you look forward to week after week and year after year. If you're spending money on something that brings that kind of joy into your life, that's well worth it.
Find a way to enjoy saving the same way you'd enjoy a hike. Make it effortless, make it relaxing, make it feel right.
You could be reading this and think "there's no way I could save up!". I know when I was growing up, at times many people were scrapping to make ends meet, and saving was the last thing on their mind.
For those reading in that situation, I empathize with you but struggle to find the best advice. You know your situation better than I ever could, as well as what you could do to make it better.
沒有留言:
發佈留言