@Justducky1wrote:I use Excel often, and have several retirement spreadsheets that I play around with.  These calculators though are nice because they also take into account future interest during retirement, inflation rate, etc., so in theory they wo...

Always spend less than you take in after accounting for your expenses and dedicated amounts to save for your future.  Do not borrow for anything other than house/car.  If you do that, you can stick to use of cash-back credit cards to purchase only wh...