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To the OP: thanks for sharing your story. May I ask what expenses exceeded your projections? I project things like extra travel costs and extra hobby money, but it's hard to know if it will be enough.

How much is enough? I was one of those anal programmer types. I had spreadsheets on my work computer, budget simulations going in my quicken, ran every budget/financial simulator I could find.

I had inflation protected my spending and said my bridge account would make 8% a year.

I should saved enough for 10 years instead of 7/12. Then those unexpected expenses or market events wouldn't have reduced my expectations.

I don't have the math skills to explain it any other way.


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