Firecalc is a very good program but it didn't seem to help AM and she posts frequently. What about buying a car every six, eight or ten years, college funding, home repairs or remodeling, travel, relocation? Firecalc assumes all those have equal importance. Most people have a baseline where they would be comfortable (X) but would like to spend (Y). Both have equal importance inside firecalc but they aren't.What about additional health care costs? Note these may increase faster than inflationI LOVE Social Security but relying on full projected SS benefits is imprudent. SS is a great program but it will only be able to pay 75% of promised benefits in 20 years. Firecalc is a good online retirement calculator but I've seen better and more robust tools. Granted they cost more but glad it works for you.
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