A helpful number to keep in mind when gut-checking your comfortable spending level now, in the accumulation phase, and in your future spending, is 300. That number is significant because if you use the rule of 25x (25 times x, the inverse of the 4% safe withdrawal rate) and multiply that by 12 months in a year, you get 300, meaning that every dollar you can avoid spending every month is $300 you don’t have to save for retirement.
