🤔 expenses

thinking of expenses as "how many hours does this delay financial-independence/retirement by?"

investment real returns (https://totalrealreturns.com/)
- 35 years, ~10x
- ~6.8% annual
ex. 35 years from retirement, 1.068³⁵ = 10
- spend 1 day of work now => costs 10 day of work in the future
ex. 5 years, 1.068⁵ = 1.4
could make a calculaltor
- predicted time-to-retirement
  - just need current income / expenses ratio

2023-01-23

#personal-finance #modeling