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I don't know. I spent the last 20 or so years reading from certain stock-loving-centers who, we can assume have done the math, that it hardly, barely matters when you start working or when you start retirement. It always seems to work out the same. The only difference seems to be between having enough and having 10 times enough, or some such.

I'm not saying I necessarily subscribe to that notion en toto, math or no math, but that's been the prevailing view among the FIRE boosters.
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