It's simpler in my mind: corps get local tax incentives for their footprint. EG they run a calculation on how their foot traffic impacts the local economy and take a tax break based on the "value" of "their" employees to the local businesses.

If they go to wfh/ hybrid, their foot traffic drops and the tax bill goes up.

Ah this is great! Thank you!

Fully agree on the disciplined saving. I basically automated my paychecks to send x% to my various savings accounts. That's got me this far, but I'm really keen to be more strategic with it. This should help!

Very nice, thank you. Makes sense to put a number on your lifestyle at that point. This made me rethink how well I'd done!

It makes sense. I'm interpreting this as simply using your end of year amount in savings to set your budget for the following year.

Meaning: 4% of your funds can vary year over year, so set your budget accordingly.

Side note, shouldn't you include CPP in that budget?