those are valid takes. I have build a feature in Guapital that takes current value of the asset, and project its annual compound growth to project the future warchest size. the projection is updated automatically with Plaid, so you can see your warchest grow in real time.

i built the Guapital's net worth ranking percentile system as a way to gamify their finance. and like in any sport, if you want to get to the top 1%, you really need to work hard for it, and i hope this system can motivate the users to work hard to achieve financial freedom.

thank you for your input, these are comments engage me to think more about the impacts on the users. i would love to hear more from you.

While I agree with the first two lines I have to disagree with the third one.

> What you really need to know is, how cheap can you live, and how soon you can retire. How big does your warchest need to be so that it will grow with inflation and so that you can live off that growth without drawing down the principle. That's really all that matters.

That's a recipe for disaster. Living cheaply is not the way to go. You want to go big so that you can have resources in case of extraordinary events. You don't want to be the retiree that has to go back to work because they can no longer afford groceries or because their house burned down or whatever.