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The best possible mental approach is to just equate stacking with "savings".
Is there ever a point where you plan to "cashout of all your savings?" Is there ever a point where you think you won't need to have any savings anymore?
That’s a really thoughtful way to frame it. Equating stacking with savings makes the idea of building up resources feel natural and purposeful.
As for “cashing out of all your savings,” it depends on the context, but generally, savings are there as a safety net or to enable certain life goals. Ideally, you never want to completely deplete your savings because then you lose that safety cushion. Even in retirement, the idea isn’t to have no savings but to have them working for you or drawing down sustainably.
So to your question, is there ever a point where you won’t need savings anymore? Practically speaking, no. Life always has unexpected twists, and having savings, even if just a small buffer, is wise. But how much you actively keep saved or “stacked” versus invested, spent, or reallocated can change over time.
The best possible mental approach is to just equate stacking with "savings".
Is there ever a point where you plan to "cashout of all your savings?" Is there ever a point where you think you won't need to have any savings anymore?