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Now, once you retire, watch those tiers carefully. If one goes broke, you MUST drop down to the next lower tier.

I think that makes a lot of sense, thanks. Maybe the simplified version would be to fund the Austerity budget for 25 or 30 years, retire, and then live Austerely unless/until you your nest egg is up to 25x the comfortable budget (or one of the others).

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