The difference to your
savings rate will be
immense — probably over $ 25,000 per year, which means you will be more than doubling your
savings rate, or halving your
time to financial independence.
REI is not all sitting on the beach drinking mimosas, or spending all of our
time with family, it can bankrupt you, and cause an
immense amount of financial hardship which can wipe out a lifetime worth of
savings.