Ugh, too many feelings.
On Open Thread
@cryptolect Nope, not a one. Then again, none of us can really know anything for certain about the future--not even tomorrow, or five minutes from now. But we can have goals and work towards them with informed assumptions. With a 30% savings rate, you've built in a big safety margin for your future. Assuming you can keep it up or even up it as your earnings hopefully go up, you'll have enough to live off of much earlier than 62 or 65. And most likely, you'll also have enough so that you can weather unforeseen challenges, like a job loss or medical emergency, and still come out fine the other end. That said, I think a lot of the above would hold true if you were saving 25% instead. But in the end, it's a personal choice, and it all depends on what lets you sleep peacefully at night.
On Open Thread
@cryptolect We save 40%, but I know we're freaks. It really depends on how soon you want to retire, how you think your career arc will go, what kind of lifestyle you want in retirement, etc., etc. One of the best retirement calculators I've ever seen is at http://www.smartmoney.com/retirement/planner. Maybe play around with that?
Tonight: Dinner ingredients ($20). Tomorrow: Second payment for our CSA share ($177); kitty litter ($25); groceries ($50); possibly a kitchen cart for our kitchen ($50). Sunday: Brunch with friends ($60). Total = $357.
It's $40/month for us September - May. June's probably going to be $55. July and August... $90?
Estimated $150, spent $164. I'm calling this a VICTORY.
Tonight: Going to the movies, but tickets and snacks have already been paid for, so hopefully, $0. Saturday: After 11 years in NYC, I'm finally going to check out the Cloisters ($12). We'll probably have lunch up there, too ($25). Sunday: If it's nice, we're going to have ourselves a picnic ($20). Groceries have to happen sometime ($50). We also never got around to doing laundry last week ($20). I'm up to $127, but let's just round up to $150 because.
Estimated $232, spent $323. I should still get credit for getting all three digits right, right? Just, you know, not in the right order. I would have been right on target, except we ended up spending $86 on home improvement stuff to get a bunch of new plants and to build some indoor planters.
@echolikebells That sucks. I've never straight-up been called lazy, but I used to get pretty passive-aggressive comments when I was in the weird habit of leaving on time. Weirdly, it's my friends who work for big corporations that seem to have the best work-life balance in terms of amount of time off, ability to actually schedule time off, flex working, etc., etc. At my partner's office, people actually get sent home when they come to work sick! That is so goddamn civilized.
The culture where I work (a nonprofit) is exactly like that, and it's insane. He or she who works the most weekends = the most committed and thus best employee; he or she who leaves at 6pm = not mission-driven, probably has one foot out the door. It's incredibly dumb. It's also why I get to work an hour early every day.