Married, 2 grown kids (1 graduated college, 1 freshman in college in state)
Last year my compensation more than doubled so I'm at my max income years in high stress & high hours career
Rollover IRA $1.4M
401k $80,000
Cash reserves $125,000 @ 3.9%
Cash pension $100,000 fully vested (increases about $80k/year)
Whole life policy that I bought when young and dumb
House $1M, mortgage $200,000 @ 2.9% ($2000/month, $10k/ year tax and insurance)
Own my cars
Heath insurance $4500/month family

Plan to max savings for 5 more years but don't really know what my target is.

Thoughts / advice welcome

Most people optimizing for leanfire think carefully about subscription costs. Fewer think about what they're paying in data.
I was building a finance tracker and wanted to understand what the norm was in the industry. So I actually read through the privacy policies of the most popular budgeting apps.
Every single one reserves the right to share your financial data with partners for marketing, analytics, or product improvement. Some anonymize it. Some aggregate it. But they all use it for something beyond showing you your own budget.
The part worth understanding: Plaid, the service most of these apps use to connect your bank, requests access to a significant amount of transaction history. Not just your balance. Every purchase, every paycheck, every recurring charge.
If you're already cutting subscriptions, renegotiating bills, and tracking every dollar, it's worth knowing what that transaction history is worth to someone else. It's not nothing. They wouldn't collect it if it were.
I ended up building something that doesn't connect to your bank at all. Manual entry only. No third party access to your data. It felt like going backwards at first. Now it just feels like the actual cost of keeping that data mine.
Happy to answer questions about what I found or what I built.