The road to financial independence isn’t a straight line. It’s not a curved line hockey-sticking up either. In reality, the path to financial independence has up years and down years and won’t look anything like what CF Fire Sim or FIRECalc say.
A lot of that is because stock market returns are completely outside of your control. As are (in most cases) receiving a windfall or making a speculative investment that hits it big.
[Read more…] about Where Are You On the Financial Independence + Retirement Matrix?