I bought into the 40-40-40 plan hook, line, and sinker. In fact, I was 20+ years into the program before I realized it would never work.
The 40-40-40 plan involves working 40 hours a week for 40 years and receiving 40% of your income for retirement.
That is a lot of years for a little pay. Does this sound fun to you? I didn't think so. Therefore, let's try a different plan.
I converted from the 40-40-40 plan to a Happy Cash Flow Retirement plan, which allowed me to retire at age 42. It was a fantastic shift and one you can perform as well. Good Luck!