A few things to note:

* In the US at least - you invest your 401k in whatever funds you want. Mine are a mix of S&P500 and Total Market.

* 7-8% is the average inflation-adjusted return of the S&P500 over its history and is general figure you’ll see used in retirement planning discussions

There’s a huge wealth of resources out there on this topic. Look up Canadian specific “FIRE” guidance (Financially Independent Retired Early). I don’t know enough (or anything!) about Canada to really engage on this - but I’ve done pretty extensive planning both myself and with my financial advisor on my own early retirement objectives. For me - the math massively works out in favor of a 401k over non-tax advantaged accounts. I personally have a mix of Traditional (pre-tax), ROTH (post-tax), and non-tax advantaged accounts (because I save more than I am allowed to stuff into tax advantaged accounts per year).

For example - if my wife and I max out our 401k’s - that’s about 50k we are deferring taxes on. If our pre-tax household income is 300k - then that 50k would have been taxed at 24% marginal rate.

In a year of retirement - let’s say we withdrawal that 50k but now it’s doubled (probably more than that since it only takes 9 years to double at 8% annual growth via compound interest). Now we pay 12% and end up with 88k. (Technically we’d have more than that because of the 24k standard deduction - but we’ll ignore that for the sake of simplicity)

Let’s take the non-tax advantaged comparison. We’d have paid 24% up front and invested 38k. It doubles to 76k. We’d pay 0% capital gains - but even then we end up with less investment income.

There’s a few methods here - and it’s going to depend on your mix of retirement accounts (ROTH vs Trad vs HSA vs non-tax advantaged). There’s lots of tools to help plan scenarios - I particularly like ProjectionLab. I would also recommend hiring a professional that can assist in the planning and especially taxes during early retirement.

For SEPP 72T you need to make similar withdrawals every year for at least 5 years or until you hit 59.5 of age. My plan is a mix of SEPP 72T + non-tax advantaged accounts for 5 years. During those 5 years I will also be making ROTH conversions from my Trad accounts. Once the 5 years are up - I will continue my ROTH conversions but can finally start withdrawing the money I converted 5 years ago (this is a ROTH conversion ladder).

I was a bit of a late bloomer and spent my 20s working my way into tech - so I won’t retire at 45 - but am on target for 50ish.

To me - the PR is the product of output I care about. The discussion in the review is infinitely more important than a description of a single change in a whole series of changes. At no point are we going to ship a partial piece of my work - we’re going to ship the result of the PR once accepted.

I just squash merge everything now. When I do git archeology - I get a nice link to the PR and I can see the entire set of changes it introduced with the full context. A commit - at best - lets me undo some change while I’m actively developing. But even then it’s often easier to just change the code back and commit that.

I wish there was a dead simple installer TUI that had a common API specification so that you could host your installer spec on your.domain.com/install.json - point this TUI at it and it would understand the fine grained permissions required, handle required binary signature validation, manifest/sbom validation, give the user freedom to customize where/how things were installed, etc.

Yeah I usually default to just a straight up link or a markdown link. Mostly because I usually don’t know the exact number of a PR/ticket/issue - so it’s easy to just copy the URL once I’ve found it.