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What have I learned in 45 years? [Khe Hy]
The Examined Life
Three Phases of Wealth: Accumulation, Harvesting, and De-accumulation
Wealth can be viewed in three phases: accumulation (pre-retirement), harvesting (active retirement), and de-accumulation (post-retirement). While conventional wisdom suggests accumulating wealth until retirement, then harvesting, and leaving intergenerational wealth, some opt for de-accumulation early on, aiming to 'die with 25% of peak earnings.' Shifting the mindset from continuously growing wealth to eventually spending it can be challenging but liberating, providing freedom and a different perspective on financial planning.
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