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Leaving the $18,576 in my IRA each year for the 5 years with no other additions becomes $455,069 when I am 86 using 8% appreciation.

Where in the world are you getting 8% a year, every year for 14 years?

For the past 10 years you've gotten essentially zero. If you go back past that you're likely negative if you held through the tech crash.

(And my example wasn't 5 years, it was 3 - retirement at 62 instead of 65. And even at 8%, the amount only totals to $140,000. You don't get to keep adding the $18,000 every year, since it's supplanted by the $24,000 three years later. You only get the first three years cumulative, plus interest in the comparison.)
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