Your Career Sets Your Savings Rate Ceiling, Not Your Budget
Your savings rate ceiling is set by career structure, not budget discipline. Four forces cap it and specific pivots compress your FIRE timeline.
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Your savings rate ceiling is set by career structure, not budget discipline. Four forces cap it and specific pivots compress your FIRE timeline.
On a 12-year FIRE timeline, the DIY investing vs financial advisor decision flips when one behavioral mistake costs more than your entire fee savings.