>>hot tub

Ah, like my sauna dream. I think my wife is responsible for convincing me that maybe you can live a better life by designing a life that includes the things you enjoy and work that, if you don't enjoy, doesn't suck your soul, compared to focusing just on retirement or bust, which is ultimately a negative vision in that it is defined by what you won't do or won't have to do rather that what you will do or can do.

>hot tub

I had a pinnacle moment when living in Canada, 2C outside, clear sky, cold beer and hot tub- no worries. I decided this is for me. It's a novelty/vanity thing most likely, but I could probably say I earned it.

Not so worried about retirement while my hands work but tbf my middle right finger seems to have a bit RSI. must be a sign of age :-)

TL:DR; 5%

The inventor of the '4% rule' just changed it - MarketWatch
https://www.marketwatch.com/story/the-inventor-of-the-4-rule-just-changed-it-11603380557

Thanks for sharing that. Interesting. I've been rounding the 4% rule down to 3% in my calculations (which are mostly just daydreams rather than plans since neither 3% nor 4% nor 5% currently gives me the life of ease I am shooting for).

Still, the difference between 3% and 5% is huge.  However...

"It's not a law of nature," he says. "It's empirical"

In the UK the Telegraph is saying 3%
https://www.telegraph.co.uk/business/2020/09/28/new-retirement-savings-rules/
and
https://www.telegraph.co.uk/investing/news/forget-4pc-rule-real-way-fund-retirement-sustainably/

TLDR: $2.8m

How Much You Need to Retire Comfortably in the 10 Biggest US Cities
https://www.businessinsider.com/personal-finance/how-much-to-retire-comfortably-in-biggest-cities-2021-8

I'm surprised how many places are more expensive as a renter than as a homeowner. I wish they said what their assumptions were (e.g. house paid off?)

^{High inflation isn't helping, though I planned on 4%+}

Economist: 'Retirement for most people is financial suicide'
https://finance.yahoo.com/news/economist-retirement-for-most-people-is-financial-suicide-185417957.html

Worth a scan.  Excluding Hawaii, there is still a big spread between high/low.  Basically, blue/red.

US: How Long $1 Million in Retirement Will Last in Every State | GOBankingRates

https://www.gobankingrates.com/retirement/planning/how-long-million-last-retirement-state/