Vicky Robins mentions this in "YMOYL" - everyone's number starts at a million and just escalates from there, mostly because there's no real concrete idea what the money is needed for, so a very healthy buffer is required. 

Once you are invested in a 401k for a long period of time, and your own contributions get to a high enough amount, as does the total value of your 401k, the returns from that employer match become less and less, and regress towards zero if you do the math.If you plan to have the 'average' amount in your 401k when you can start withdrawing (assuming you will be active, healthy, or alive at this time) {this average number is a laughable ~$150k or less in the US}, then the employer match may make financial sense.Edit: I lied.

Dropped out at 18 then spent a few years becoming really healthy- traveled a lot, went vegan, took a lot of psylocibin, taught yoga, took care of my body, etc..

If your goal is owning in the city some day it probably makes more sense to do it sooner rather than later because it will only get harder as time goes by and prices rise.You can enjoy very healthy returns with short-term rentals in desirable areas in large cities on properties you couldn't cash flow otherwise.I see it all the time with my clients in LA.

With a healthy jobs report and reports of inflation steadily picking up, specifically wage inflation, the Fed will start worrying about the economy overheating and is expected to continue their process of normalization by liquidating their balance sheet and moving towards "normal" rates.

Part of my issue has been that I work 11-12 hours a day, I work out at the gym every day, and I am trying to maintain a healthy relationship with my fiancé.

Stay healthy.

However, it is absolutely within reach that for someone who started young - say 20-25 years old - they could be "retired" by 40, with a nice healthy chunk of money coming in for the rest of their life.

The condo has a healthy HOA/Regime and was a conversion in the year 2000.

and along with expanding our new home construction business.and put up my first website .. show casing our projects.Keep eating healthy and working out.. and enjoy the 8 grandkids. :)And finish raising the money for the Home we are going to give away to a first responder.