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PS - And we haven't begun to talk about what that $100k will actually buy 30 years from now.

If one expect to earn 7% on the Cable TV savings, it seems reasonable inflation might be 3.5% - which over 30 years is merely a factor of 2.806

That means an item which cost $35 today would cost $98.24 -- hence the nice $100K pile of money will melt away a bit faster - like 2.8 times faster.
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