Savings rate
The share of your take-home income you save and invest rather than spend, shown as a percentage. It is the single biggest factor in how many years it takes to reach financial independence.
Raising it shortens the timeline from both ends: you invest more and you learn to live on less.
Save, obviously — the rate decides the timeline. But past a reasonable rate, move the obsession to the income side, and don't let the spending inflate with the salary: if you were happy on €20k while earning €30k, you don't need a €40k life at €60k. Stop penny-pinching and go make more money.
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