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```In a previous message I wrote that you would only need
to earn <>9.051%/year (assuming 4% average annual
inflation and w/d \$50,000 in todays dollars/year) in
order to live on your \$1,000,000 until age 85.  I did
another calculation that looks even better!!  You only
need to make <>9.107%/year (assuming the same
variables above) and you will still have \$1,000,000
left at 85 years old. Therefore, at 9.107%/year, the \$1,000,000 will last forever.

http://members.aol.com/tracypaul/private/calculators.html

Here's the schedule:

Withdrawal Schedule
If you retire in 0 years:
Amount Needed at Retirement = \$ 1,000,003.16
Annual Interest Rate = 9.107%
Annual Inflation Rate = 4%
Number of Retirement Years = 55
Amount Withdrawn per Year = 50,000.00 (in todays dollars)
\$1,000,000.00 will be left in your account.

#    Beginning    Withdrawal   Earnings    Remaining
Balance       Amount
1. 1,000,003.16   50,000.00   86,516.79  1,036,519.95
2. 1,036,519.95   52,000.00   89,660.23  1,074,180.18
3. 1,074,180.18   54,080.00   92,900.52  1,113,000.71
4. 1,113,000.71   56,243.20   96,238.91  1,152,996.41
5. 1,152,996.41   58,492.93   99,676.43  1,194,179.92
6. 1,194,179.92   60,832.65  103,213.94  1,236,561.21
7. 1,236,561.21   63,265.95  106,852.00  1,280,147.25
8. 1,280,147.25   65,796.59  110,590.92  1,324,941.58
9. 1,324,941.58   68,428.45  114,430.65  1,370,943.78
10. 1,370,943.78   71,165.59  118,370.80  1,418,148.99
11. 1,418,148.99   74,012.21  122,410.54  1,466,547.31
12. 1,466,547.31   76,972.70  126,548.56  1,516,123.17
13. 1,516,123.17   80,051.61  130,783.04  1,566,854.59
14. 1,566,854.59   83,253.68  135,111.54  1,618,712.45
15. 1,618,712.45   86,583.82  139,530.95  1,671,659.58
16. 1,671,659.58   90,047.18  144,037.44  1,725,649.85
17. 1,725,649.85   93,649.06  148,626.31  1,780,627.10
18. 1,780,627.10   97,395.02  153,291.95  1,836,524.02
19. 1,836,524.02  101,290.83  158,027.69  1,893,260.88
20. 1,893,260.88  105,342.46  162,825.73  1,950,744.15
21. 1,950,744.15  109,556.16  167,676.99  2,008,864.99
22. 2,008,864.99  113,938.40  172,570.96  2,067,497.55
23. 2,067,497.55  118,495.94  177,495.58  2,126,497.19
24. 2,126,497.19  123,235.78  182,437.02  2,185,698.43
25. 2,185,698.43  128,165.21  187,379.55  2,244,912.77
26. 2,244,912.77  133,291.82  192,305.32  2,303,926.27
27. 2,303,926.27  138,623.49  197,194.12  2,362,496.91
28. 2,362,496.91  144,168.43  202,023.17  2,420,351.65
29. 2,420,351.65  149,935.17  206,766.83  2,477,183.31
30. 2,477,183.31  155,932.57  211,396.31  2,532,647.05
31. 2,532,647.05  162,169.88  215,879.36  2,586,356.53
32. 2,586,356.53  168,656.67  220,179.93  2,637,879.78
33. 2,637,879.78  175,402.94  224,257.77  2,686,734.61
34. 2,686,734.61  182,419.05  228,068.02  2,732,383.58
35. 2,732,383.58  189,715.82  231,560.75  2,774,228.51
36. 2,774,228.51  197,304.45  234,680.47  2,811,604.54
37. 2,811,604.54  205,196.63  237,365.57  2,843,773.48
38. 2,843,773.48  213,404.49  239,547.70  2,869,916.69
39. 2,869,916.69  221,940.67  241,151.18  2,889,127.19
40. 2,889,127.19  230,818.30  242,092.19  2,900,401.08
41. 2,900,401.08  240,051.03  242,278.08  2,902,628.13
42. 2,902,628.13  249,653.07  241,606.44  2,894,581.49
43. 2,894,581.49  259,639.20  239,964.20  2,874,906.49
44. 2,874,906.49  270,024.76  237,226.58  2,842,108.31
45. 2,842,108.31  280,825.75  233,256.00  2,794,538.56
46. 2,794,538.56  292,058.78  227,900.83  2,730,380.61
47. 2,730,380.61  303,741.14  220,994.06  2,647,633.53
48. 2,647,633.53  315,890.78  212,351.81  2,544,094.56
49. 2,544,094.56  328,526.41  201,771.79  2,417,339.94
50. 2,417,339.94  341,667.47  189,031.49  2,264,703.96
51. 2,264,703.96  355,334.17  173,886.31  2,083,256.10
52. 2,083,256.10  369,547.53  156,067.44  1,869,776.01
53. 1,869,776.01  384,329.44  135,279.62  1,620,726.19
54. 1,620,726.19  399,702.61  111,198.62  1,332,222.20
55. 1,332,222.20  415,690.72   83,468.52  1,000,000.00

-------------------------------------------------------
Totals         \$9,557,958.65 \$9,557,955.49

```

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