Lance -- there is NO ANSWER which is why nobody can tell you what the magic number is. I think you play it as it comes. In a good year you do some extra - in a bad year you suck it up and live within your means. At least - that's the way I've done it for the past 23 years.
Hell, that sounds like the last 40 years for me...
I agree, just gotta keep doing the best one can and try to live a little at the same time.
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Lance
1985 Monte Carlo SS Street Car
Brian Hobaugh SCCA National Tour June 2014
First Hemi 'Cuda Convertible Ever Built
Short clips: Goodguys Pleasanton autocross and pit videos
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