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I know several people who spend 100% of their income, saving none of it. Not because they have poor saving habits but because they've already saved more than they'll likely ever need for a comfortable retirement.

At which point, it actually kind of makes sense to blow your entire income on lifestyle.



That’s still not paycheck to paycheck. If you’re spending income on non necessities you could cut back and be just fine.

An aside, if you’re spending 100% of your income on just lifestyle stuff… you don’t to work at all if your retirement covers it.




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