This plan sounds like it’s postponing investing for far too long.
Sarah Brodsky
52

From her previous post on this book, it looks like retirement accounts basically start once credit card debt is paid off and an emergency fund is established. I think that’s probably sufficient for investing at that stage (Independance) because it doesn’t make too much sense to try to achieve investment returns that can cancel out after-tax credit card interest.

The later ‘wealth growth’ (Freedom) stage is when you’ve got the money to really focus on the future — I haven’t read the book, but I’d guess at that point you’re maxing out retirement/tax-advantaged vehicles and looking at taxable investment accounts.

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