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Many replies here that are pretty common across the board.

Would add one more mistake that I made. I used the retirement calculators that assume a constant rate of inflation and investment return over the course of your retirement. This tends to yield a withdrawal rate that is probably too optimistic. After retiring, found more realistic calculators like those from the REHP (Retire Early Home Page) that use historical inflation and returns that yielded a less optimistic withdrawal rate.

Wish I had known about the other calculators before I retired. I could have worked a couple of more years without a problem for me and would have a higher retirement income today.

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