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So that plan is save money in your post tax accounts (non retirement) and keep some insulated from the market fluctuations?

No offense op, but if you have a clear idea, it’s better to communicate clearly. Why play riddles and not flat out state what you’re trying to state?

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I don't like to tell people how to live.

My plan is to live cheaply through my 20s, 30s and 40s, and put away money so that I can continue to do that forever, without really needing a lot of money because my wants and expenses are low.

I've had this plan when I was 18 and now that I'm 22 I'm not so happy with it. I've had a bit of luck and acquired a dirt cheap apartment this year so maybe frugality will pay off but so far I feel like it's holding me back.

I've driven from AK to Argentina (2 years) and around Africa (2.5 years and counting). Lived in the Yukon and went to Alaska all the time. I've snowboarded multiple 100+ day seasons, been a kayak guide, hiking guide, snowboard instructor and now I'm a freelance travel writer and photographer.

I've never owned a TV or a new car, never lived alone (always in a share house) and I've never bought a phone, I just get old, old ones off friends.

It's working great for me.

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