financial goals are highly Individualized. I can respect what this model is saying and in someways it makes sense. I am a firm believer in saving as much as you can in your younger years so you are able to take your foot off the gas in the later years. Your early dollars are worth so much more than your later dollars due to time and compounding growth. This all comes with the caveat that you are able to save and invest in your earlier years which is challenging for most. I am thankful that I was given this advice early and my only regret is that I didn't save even more earlier. Different strokes for different folks and what may work for some doesn't necessarily work for others. Thanks for the read, it always interesting looking at another perspective.