[epbrown]

Some Ramsey apologists have said he’s being realistic. Conventional wisdom says to plan for 30 years, the reality is most retiring at 65 won’t see 80.

I retired at 48, with the strategy of a 5-year buffer of living expenses invested in a HYSA, and the rest in what I’ve always invested in, the S&P 20 (just the top 20 stocks by market cap in the 500). It’s where most of the gains are anyway, so it doubles every 4 years or so.