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You're listening to Ramsey everyday millionaires where we talk investing, retirement, building wealth and outrageous generosity. Emma is in Albany, New York.

Hi Emma, welcome to the show.

Hey guys, thank you so much for taking my call.

Sure, what's up?

So I'll start with a little bit of background.

I am 26 years old. I have note that I have an emergency fund and I just started

saving up for a down payment on a house. Good for you. I'm doing this. Thank you. doing this, I'm looking at how much my paycheck is going

aware and the one thing I keep coming back to is how much is enough to retire on.

Now I know you guys have that general 15% guideline, but since I graduated

and started working, I've been contributing between 20 and 25% to my retirement. So it's pretty front-loaded, and now I worry a little bit about having too much of my net worth tied up in funds I won't be able to access for another 30-plus years.

So that leads me to kind of a two-part question. First, how much is too

much to have in your retirement and how do I plan for something so far in the future

considering we don't know what

inflation or cost living is going to look like by that. Great questions and it

sounds like you are way ahead of the curve how much do you have in retirement

currently? Currently about $100,000.

Amazing.

And it sounds like you want to retire early by the way you're talking.

You're saying, hey, I can't wait 30 years to access these funds.

Are you saying, hey, if I want to stop working or have the option to work at 50, what do I do?

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