It is nice to know this, but the risk is not costless. You might work for far longer than you otherwise would need to, costing your self the the early years (and possibly a lot) of your retirement time.

Regards, JAFO

Hi JAFO,

Shouldn't be a problem. Retirement for me is at 60, whether I hit my goal or not. What the knowledge does for me, is that I won't worry and stress as much about reaching the 90-100% goal, since I'll likely be comfortable at 70-80% level. I've always thought retirement at this level was doable, but with pundits saying you need 100% of current income at retirement, it caused me to shoot for the higher goal.

Calvin