"I would like to also have a more realistic value to look ahead with. I am guessing about 3.5% or a little less is "reasonable."Any opinions? "^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^The future is always cloudy. Basically, a lot depends on yourown situation and habits. As folks age, their spending habits change - and the impact of inflation can be offset by changesin habits.Food and energy costs have the least flexibility at the low endyet these are typically not included in inflation analyses.So, I am no longer certain that inflation impact is as great aconcern as many analysts claim or as many pre-retirement folksfear. The cost of milk is critical. The cost to heat a home iscritical. If you have a lung diease, the cost of oxygen cylindersis critical.So, the issue becomes very individual and very personal. As such, other folks' opinions only have an influence as a general guide -and we are all reading the same sources, using the same formulas,and worrying in the same avenues.Howie52I am worrying less as I see my kids finally get through collegeand start their own lives. DW and I can survive and have enoughfun for us on very little if need be.
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