There several good articles in the fool.com archives dealing with the 5% solution and using the twenty factor that deals with this question. These articles started during 1997 reacting to Peter Lynche's article, The five percent solution, in the Worth magazine, 1996. I have developed an Excel spreadsheet called, When Can I Retire that helps you answer this important question. If you would email at;firstname.lastname@example.org, I would be happy to send you a copy of this spreadsheet with instructions on how to use it.glenn
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