Oops, maybe I garbled that a bit and I don’t want to edit because it might make your reply look…

Thanks, I see that now, 6x monthly income in retirement accounts vs. 15x monthly income in cash, but I still think that prioritizes cash too heavily. This has people aiming for more than twice current retirement savings in cash, which is not growing for you. Some people might need that but I question it as a strategy for everyone.