Your savings rate matters more than your income. Two people earning very different salaries but saving the same percentage will reach financial independence in roughly the same number of years, because what compounds is the amount you invest, not the amount you earn.

🇵🇹 Household savings rates in Portugal have generally sat below the euro-area average in recent years, according to Banco de Portugal and INE figures, so a savings rate above roughly 20% already puts you ahead of the typical household. Numbers move year to year, so check the latest INE/Banco de Portugal data before quoting a specific figure.