Thank you! I question if the words “until I retire” is a steadfast rule or more of a guideline from the GWWC community simply because it’s easier for people to digest. I imagine it is easier to come up with a donation amount based off of your current and predicted active income, whereas it can be harder to predict that donation rate once you are an “early retiree”...which I know from personal experience as I don’t really have a true income to base my 10% on. So to me this seems more of a messaging point of friction. I guess the question then is, should early retirees continue to donate at the same rate once they retire? Or rather, should any retiree at any age continue to donate at the same rate once they retire? My perspective is this can be harder with unpredictable income, but if you can build it into your financial plan early on, then you are in a much better place to continue donating on a regular basis, even once you lose the active income. So, I’m tempted to not have the option to toggle it off, but there may be value in showing the difference in portfolio value and FI timeline. I welcome more feedback!
Thank you! I question if the words “until I retire” is a steadfast rule or more of a guideline from the GWWC community simply because it’s easier for people to digest. I imagine it is easier to come up with a donation amount based off of your current and predicted active income, whereas it can be harder to predict that donation rate once you are an “early retiree”...which I know from personal experience as I don’t really have a true income to base my 10% on. So to me this seems more of a messaging point of friction. I guess the question then is, should early retirees continue to donate at the same rate once they retire? Or rather, should any retiree at any age continue to donate at the same rate once they retire? My perspective is this can be harder with unpredictable income, but if you can build it into your financial plan early on, then you are in a much better place to continue donating on a regular basis, even once you lose the active income. So, I’m tempted to not have the option to toggle it off, but there may be value in showing the difference in portfolio value and FI timeline. I welcome more feedback!