I have to say that the previous post on our annual spending multiples has really put things into perspective. By the way, it also represents roughly the number of years we can last on the capital amounts of our savings and investments if both of us have to stop work involuntarily or by choice. The current rate of increase suggests our annual spending multiple should rise by 1x every year assuming there are no changes to our income and expenses. With the 10 year target to achieve financial independence, our annual spending multiple would have increased to 15x a decade later. Our incomes might rise during that time as we hit our peak earning capabilities but our expenses would also increase correspondingly due to family obligations. Let's say they net each other off i.e. back to the same scenario above of no changes. We would still get to the same annual spending multiple of 15x ......