Navigating the Messy Middle of Financial Planning

Understanding your retirement number can be challenging, especially for those in the 'messy middle' of life where uncertainties abound. Life circumstances, such as raising children or career changes, can drastically alter financial goals and timelines. Rather than fixating on a specific amount for retirement, it's more beneficial to concentrate on your savings rate and strive for a standard like 25%. By focusing on how much you can save now, you'll set a solid foundation for future financial flexibility when you're ready to determine your retirement number.