use 16 to calculate how much is enough for retirement, page-30

tables like this make little sense to me. it's a method of getting poorer as you get older.

i think the biggest problem is that people stuff their money into an expensive house and then find they are running out of income as they get older.

i think it best to have no more than 25% of your wealth in your family home.

what you should be trying to aim for in your working life is to attain a critical mass of working capital such that whatever you spend it really doesn't matter because all the time you are getting wealthier.

we've moved interstate this year and we seem to be spending 20k a month at the moment. but we have no problem handing that. and we will still have more working capital than last year at the end of the tax year.