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Wow, that's an interesting tool! There was one risk factor I wasn't sure about including, because its mild, but it gave me 10.9 more years to live! (age 38) Without including it, I should live to 81. Hmmm... somewhere in the middle, I'd guess... But it didn't account for my family's history of cancer which I expect to be getting in my early 40s. Makes it hard to pin down a number!

How do you figure that 5% is a SWR for you? I guess I see the number 4% thrown around, but don't really know how it's determined and what you consider "safe". I can make a spreadsheet showing withdrawl per year and balance and earnings rate and play with the numbers, but I'd be interested to know how you figured this.

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