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Now you have me really confused. Why such a conservative rate of return. It is below the historical return of the market.

Why am I confused? Because we have had several discussions in the past about placing money in taxable accounts versus aftermatch 401K. You stated that before that it may be advantageous to place the money in taxable accounts because the selection of funds in 401Ks may not be good.

Using the formula Ra=Rp/(1-TR), this means your taxable 9% return equates to a 6.48% in a 401K at 28% tax rate. I wouldn't think it would be hard to find one fund in a 401K that returns this.

I see nothing wrong with a conservative approach as I use it myself. No need for surprises. But I do see some conflict between your conservative numbers and the somewhat more aggressive advice you provide in your other answers.

By the way, I like your advice and appreciate your contributions to this folder.
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