I agree. The absolute starting point is what is my nest egg amount? Then, what do I want/need to live on. Finally, do u care about growing the nest egg for kids' inheritance, or do u want your last check to bounce?
Each of these questions needs to be answered and there is a separate decision tree for each answer. That is, there is not a single answer.
That made me LOL, thanks.
And agree, EVERYBODY has different needs, start points, and goals. Thats why its so hard to give blanket advice, but I suppose that's why we all like talking about it so much. Adds a lot of interest and flavor.