Just completed a meeting with a client. I’ve massive respect for their financial discipline. They save 60% of their income. The salaries are not too high. They live in a rented house and send a child to school. They already have accumulated enough to retire in 12 years. For the next 12 years, even if they spend everything they earn, they’ll do fine. They will create decent wealth if they continue with current savings rate. I had to tell them that they should spend a bit more 😁