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In the spirit of the thread, would you mind sharing what your ratio was the year you retired. That year's net worth divided by that year's total out of pocket expnses, came to what, that critical retirement year?

In all sincerity and honesty, I can't answer your questions, simply because I have no idea what my/our income was back then or what our out of pocket expenses were, nor I have I ever paid any attention to any "ratios".

As I've said, I manage my own IRA investments, and have for several years, so I simply try to maintain my IRA balance at (or above) what it was by limiting withdrawals vs what I'm able to do to adjust my investments.

I would probably shock and horrify some by admitting that I've already withdrawn perhaps 10 or 11 percent this year, but the balance is still right up there, because of buys and sells made of various equities or mutual funds during the year.

Sorry not to be more helpful!

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