You need to do some reading . The main issue I have with your chart is that reality will be far less predictable . You now have enough saved that you will have some years hopefully not many where you will lose more than your salary . Staying invested during those gut checks are key . Also I think you learned the wrong lesson with your investment . I suggest starting with these 1 . Stock series series 2 . If You Can booklet The Shockingly Simple Math Behind Early Retirement s h o c k i n g l y s i m p l e mathbehindearlyretirement <| sep |> Drmindbender on Dream i think . <| sep |> Why should you kill people and be bad ? <| sep |> It is 16 , 7 cents per day so get it ! <| sep |> As far as I know o is pronounced like that in every European language , except English , due to the Great vowel shift .