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Let's go to Alex in Idaho.

Hi, Alex.

So my question is, I know Dave teaches to put 15% of your income into retirement.

Is there ever an appropriate time to stop making those contributions before retirement?

Possibly.

I mean, investing is really part of the whole financial picture that you're

looking at for your future and different generations beyond. How much do you have right now in

retirement? I have 850,000 in my retirement. I'm 50 years old. I plan to work for at least the next 10 years.

I did this last year, my, I put in 20, I did $20,000 in contributions, and my 401k grew by 100,000. And so I just, when I put my figures into an investment calculator, it says in the next

10 years, with no additional contributions, I'll be at $2.3 million.

And with $20,000 in contributions in 10 years, I'd be at $2.6 million.

So would it be, I mean, it's a $300,000 difference, but should I start taking more elaborate

vacations now rather than wait?

How much do you make a year?

My wife and my combined income is about $215,000.

$215,000, okay, yeah.

And so, yeah, you put $20,000 in as you're 15%. Yeah, well, and that's just, that's just my side of it. She's got a pension plan she puts in, too.

That she's going to be, okay. Well, for me, I think there is, it's more than just the numbers to me. Part of it is the numbers. And then part of it too is looking

at your whole financial picture and is it balanced, meaning we always want to be giving, we always

want to be saving, and we want to be spending and enjoy. So my question to you, is that $20,000

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