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The thing to factor in though is that your expenses will change, somethings will go up, others will go down. I won't have to pay $14,000 for my mortgage in 14 years. I will only have to pay $2,000-$3,000 in property taxes & insurance at that point, but I might want to go on a month long trip that costs $2,000.
And getting into that mindset that after saving for 20-30 years, it is ok to spend it if I don't have a paycheck anymore will be hard for me I'm sure.
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