The Money with Katie Show cover image

Does The “Perfect Save Rate” Exist? I Figured It Out

The Money with Katie Show

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How to Calculate Your Timeline

The amount of time it takes to reach your freedom number across save rates is static across incomes. A 25% save rate will require a 26 year career to deliver you to freedom. If you get up to 40%, now you're under 20. You have to work for 18 years. By the time you eclipse like a 70% save rate, you would be able to retire or have the ultimate flexibility after just eight years.

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