I'm not entirely convinced wrt your meticulous financial planning.
I think I was earning less than you yet managed to save the vast majority over my 15 year career earnings. Then my partner died and I was left raising a toddler by myself. It wasn't easy, but at least I don't have financial problems, thanks to a little financial planning.
I think I was earning less than you yet managed to save the vast majority over my 15 year career earnings. Then my partner died and I was left raising a toddler by myself. It wasn't easy, but at least I don't have financial problems, thanks to a little financial planning.