7% for a business, yes. Now if we talk about index funds and shit like that, of course 7% is not bad (of course if you don't mind becoming rich by the time you're too old to enjoy it). Like I said, it all depends if you're risk averse or not.
Sure, I agree one should be making in investments but 7% is just not worth it. I associate the word investment with doing business and doing business means (at least to me) getting a return much higher than a single digit.
You're right on one thing tho. There should be some kind balance between...
I fucking hate to give my money away "voluntarily" to a retirement fund. I don't even know if I'll make it to 65. I'd rather have that money in my pocket and enjoy/invest it myself.
As of now I have a side hustle apart from my job which is making me some juicy money week in week out. I know...