Chapter 4 — Rethinking “The Number” and Other Myths
1. The Myth of the Retirement Number
- Why it’s too lofty for most people
- How it scares people into paralysis
- Why it’s the wrong metric
2. What Actually Matters
- Cash flow
- Flexibility
- Spending awareness
- Sustainable income sources
3. Fear Is the Enemy
- How the industry uses fear
- Why complexity keeps people stuck
- How clarity breaks the cycle
4. Money Is Navigation, Not Prediction
- You don’t need to know the future
- You need direction and course correction
- The stars metaphor: guidance, not certainty
5. Key Takeaways
- You don’t need a giant number
- You need a simple, adaptable plan
- You can retire on an average salary
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