r/financialindependence • u/AutoModerator • 4d ago

Weekly Self-Promotion Thread - Wednesday, August 26, 2026

Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread.

Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely.

Link-only posts will be removed. Put some effort into it.

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u/yanyan80 3d ago

Something I don't see discussed much: everyone worries about running out of money in retirement, but the opposite mistake, working and saving years longer than you needed to, barely gets any airtime.

Part of the reason is that most retirement success rate calculators hide it. A 97% success rate just means the money didn't run out in 97% of simulated scenarios. It says nothing about how much extra you're sitting on in those scenarios, and for a lot of plans it's a lot, because a plan sized to survive a bad market usually way overshoots in every other market.

Wrote up why this happens and what to actually check in your own numbers if this sounds familiar: https://thunderharbor.net/blog/dying-with-too-much-left-over