
Aside from that, in some parts of the country, $120k per year is the financial independence income floor. In 18 years, it’s going to be WAY over 170k.
I remember when I was young, I calculated that if I saved a certain reasonable amount per year, I’d be a millionaire by the time I was 55. And I was right — it was just enough to buy a house that would have sold for $20k when I was young, leaving me in debt and with minimal monthly liquid cash.



Polygraph tests for the FBI actually make a lot of sense.
They eliminate people who panic under pressure, and eliminate people who can’t pass a polygraph test.
That leaves you with a mix of competent intelligent people and exhibitionist psychopaths. And there are other tests you can do to eliminate the psychopaths, should you desire to do so.