I went through the retirement planning "school" and then used the retirement planning calculator. Needless to say, I just don't believe the results, especially when I look at the results after I did a recommended modification.

Any suggestions on what's happening or should I just ignore the Fool in this case?

NOTEPAD copy of what I got follows:>>>>>>

ORIGINAL INPUT YIELDED THIS RESULT:

Your living expenses after retirement will be funded until you are
57 years old. Thereafter, income from Social Security and pensions,
if any, will only cover 39% of your living expenses.

To fund your retirement for 42 year(s) and 0 month(s) and still leave
$0 for others to inherit, you and your spouse will need to:

Decrease your current spending in order to increase your savings to
$-0 per month.
Decrease your spending during retirement by $791 per month -or-
Work for an additional 2 year(s) before retiring. -or-
Work during retirement and earn roughly $1,528 per month for 8 years.
-or-
Invest at a higher rate of return. -or-
Shift your investments into tax-deferred investments. -or-
Decrease the amount you wish to own at your death. -or-
A combination of the above.


SO I CHANGED RETIREMENT AGES BY 2 YEARS AND GOT:

Congratulations! You will able to pay your expenses throughout
retirement and leave $20,801,782 for others to inherit.


NOT BELIEVING THAT WORKING 2 MORE YEARS WOULD NET ME $20.8M,
I THEN RESET AND CHANGED RETIREMENT EARNINGS FOR 8 YEARS AND GOT:

Congratulations! You will able to pay your expenses throughout
retirement and leave $274,616,022 for others to inherit.


I DEFINETLY DON'T BELIEVE THIS!!!!

BASED UPON THE TWO "CHANGES" I DON'T EVEN BELIEVE THE INITIAL RESULTS.

ANYONE HELP?????

THANKS,

JERRY