As much as investors focus on their returns, those within the first decade or two of their accumulation phase would be wiser to focus on living within their means and saving/investing judiciously. Charlie Munger famously illustrated the importance of having one's assets snowball when he said, “The first $100,000 is a bitch, but you gotta do it. I don’t care what you have to do – if it means walking everywhere and not eating anything that wasn’t purchased with a coupon, find a way to get your hands on $100,000. After that, you can ease off the gas a little bit.”

So Commonstock, how much do you save relative to where you are in your journey?