@JoeTaxpayer I am obviously missing something about this question which has caused such hostility towards me

@enderland - I am (missing something) too. I'll clean up the comments if more show up. I appreciate your patience.

@JoeTaxpayer Thanks

I'm pretty active on other sites which seem more welcoming and wasn't sure how to respond. I've not had.. good luck here I guess

@AlexB Depends entirely on what your life and financial goals are. If you want to retire early, nearly 100% spot on. If you want to have a huge house, multiple cars, etc, well, it's not spot on at all