What's The Difference Between a 17% and 7% Savings Rate?

[scfr]

This is an excellent piece. Talking about things like changing spending and saving behaviors may not be exciting, but it's so important. If you are trying to improve your personal finances, read this, make a plan, and take action.

"Our data consistently tells us that in the arena of personal-finance outcomes, behaviors matter. They matter a lot. So we thought it was time to try and quantify—from a dollars and net-worth perspective—exactly how much is 'a lot' ...."

[Jluke]

The extra savings may also make up for any market declines.

You will have less, but less of a higher number.