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I threw some numbers into a spreadsheet. When you consider inflation, the yearly expenses really starts to climb. It also shows that just a difference in 10,000 yearly expenses can be the difference between running out of money or dying with millions. It really drives home the point that you need to have your expenses nailed down as best you can before retiring. Even an extra $100k in funds at retirement makes a huge difference as well. Eventually, there will come a point when gains alone no longer cover expenses if you live long enough.
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