If we could see the future or travel through time, we'd know exactly what our income replacement would be. Sure, it could be 25% of final working year household income, just as it could be 42% or 12% or 115%. But longitudinal research has shown that most will fall between 70 to 80%, where the higher the household income, generally, the lower the replacement ratio becomes and the lower the household income, the higher the replacement ratio.I don't live my life according to longitudinal research.PSU
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