Planning retirement

I have long since forgotten my college financial mathematics class so please take my response with a grain of salt, but I can’t imagine 3% getting you where you want to go unless you plan on moving somewhere with a much lower cost of living.

The good news is you are on target or slightly behind and as your earnings increase, so can your investing. Here’s an interesting link.

https://www.usatoday.com/story/money/personalfinance/retirement/2018/01/01/retirement-planning-heres-how-much-money-you-should-have-saved-every-age/990172001/

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