We're going to start with a question from Templar on high.

He's got a 401k question.

He says, what defines 401k critical mass when we can back off safely?

I'm 37 with 2.2 times my household income in the tank.

What does the age to mass curve look like?

Yes, so this is an interesting question.

Templar, it's less about your age.

And I'm going to say it's even less about your savings rate

and that kind of thing because you've probably heard Brian say before.

He is what?

The way that he got her motivated to save early on was he said,

hey, sweetheart, if we can just go pedal to the metal right now in our 20s and 30s,

when we get to our 40s, we can back off a little bit, right?

So you're probably saying, OK, well, how do I know if I've done that?

We recognize a lot of people have that question.

It's one of the reasons why we came up with a know your number course because I'm going

to argue it's not age based and it's not like even savings rate based.

It's number based, just like most things in life.

We have to begin with the end in mind.

If we do not know the destination, how can we know if we are on the right path?

And so with our know your number course, what we aim to do is help you define the destination.

Right?

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