Retirement experts recommend saving between 15 - 20 % of net income for retirement. Savings for emergency expenses should equal 6 months to one year. If you follow these two rules and limit your debt to your mortgage, you are ahead of 90% of your neighbors.
Credit card rewards are another strategy. Everything is charged to document expenses. In return the credit card bought a new AR for a full time scrapper. If you do not understand, you do not want to. For this scrapper, it is a scrapping tool to eliminate the predators that get in the way. Yes, save for a rainy day because it gives you more options and freedom in the future. Good luck to the future generation, you have the ultimate challenge ahead of you.
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