Both of those make some very, very optimistic assumptions about how reality works.<p>Pretty much any major negative event will add a decade and pretty much everyone has at least a one of those. A single one can wipe out years of savings, even at a 50%+ savings rate.<p>In the real world, you aren&#x27;t in control of your savings rate for decades on end. No one is. I understand the illusion of that control is appealing but it simply isn&#x27;t how reality works.<p>There is a reason the majority of the bankruptcies are from medical issues with 5 figures out of pocket and into the 6 figures when you count lost income.