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> savings rate is about 50%

> couldn't go more than a few months without working

How are you calculating your runway? Naively I'd think a 50% savings rate means 1 month off for every month worked.

That's definitely fair to say for the short-term. I should say it's 50% as far as budgeted expenses go. Unplanned things like home repairs or medical expenses I don't consider in that "50% savings rate", which may be correct or may not be, I'm not sure. Larger, one-off purchases like a car or house are not included either.

Makes sense. Yeah, not clear how best to track/predict large one-offs. And your original point still stands: without that 8% growth, retirement going to be a lot harder for a lot of us.

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