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The Rule of 30 changes the mindset from saving the same flat percentage of pay to saving when it is most convenient to your situation. In most cases, it means less saving early on while mortgage payments are high and children are costly, and more saving later. Saving for retirement is a high priority, but it is not the only priority in life. It is time to dispense with old myths like “just save 10 percent of your take-home pay.” The truth is we should save differently throughout our pre-retirement years — and The Rule of 30 is a road map for doing so.

"No writer is as humane, insightful, and clear-eyed as Michael Harris. His journey into the rabbit hole of consumer desire is one we all need to follow, and he makes it a joy along the way." —Susan Orlean, author of The Library Book and The Orchid Thief Our lives are defined by a story of...