No. of Recommendations: 0
I do not recall whether there are survivor benefits to you after she dies, but the IRR calculation assumed that you wife would live for another 27 years.

The fun thing with spreadsheets is that you can do what-if scenarios to better fit your situation. Hopefully the OP will do so. One potential error in your analysis, is that she may be able to retire earlier than your assumption. I believe 60 is a possibility.
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