Have you factored in old age costs? Lawn care or household help when it gets to be too much for you to handle on your own. I didn’t factor that and am now thinking I will regret that as I’m currently watching my mom start to decline and need more help.

It does get easier. At 100k is about where I started to see the effects of compound interest really take hold. Hang in there. It is so worth it.

I’m in the Bitwarden camp. There is no other way for me to have complex/secure passwords and remember them for my gazillion accounts.