They call it personal finance for this very reason. Each person’s situation is different. One can have a number and move towards it, or can do it any other way, many ways to go forward. And if financialization is believed to be true, with growing retail participation, the liquidity hopefully will continue, and as such, the chance of becoming profitable can increase, so and the goal can be moved further, if everything remains the same, right from the availability of time to the desire to do it.
Math is math, but that match in finance gets customized as per our needs and wants. Some are conservative, some could be adventurous, some think they can take risk, all start at some point, they may change their styles in the future, they may not, and as our market becomes bigger, there could be more products to choose from.
Another point to ponder could be that one might get the feeling of exhaustion, and wants to take things easy, if a corpus is in place, through which cash flows are generated which can take care of everything pertaining to life, and he can concentrate on things that he like, more so, when time feels precious than the accumulated corpus.
In life and in finance, some have the fortune of reaching where they want to be, how they want to be there, and when they want to be there. Some may experience ups and downs, owning to a multitude of reasons, but if the journey progresses in a manner that is both satisfactory and beneficial, then the destination feels good and when retrospected, the journey brings a smile on the face, along with some green in the wallet.
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