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Firstly I much appreciate your prompt reply :)

In it you said:

"construct a spreadsheet to run some scenarios using a worst case, expected case, and best case rate of return using ordinary income tax rates on the tradtional IRA"

I would love to do this. Are their any websites that can tell me how to do this ? Or is their some cheap software that can do this ? Or is their a smart-spreadsheet that someone can send me for this ?

I only ask because I know that small errors in calculations and/or assumptions in compound interest calculations can lead to large result errors, and thus to erroneous decision making.

I'm very familiar with building spreadsheets, but not at all with macro's, and not with accounting type spreadsheets. Thus, I don't trust myself to construct an error-free spreadsheet - any guidance gratefully received.

- Dr. C
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