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This would cut your stash down to $1.47M if you aim to keep the start and end values the same as the worst case.

Thanks, Hyperborea. It's good to know that I was at least close, considering I was using numbers based on my gut, as opposed to a statistical analysis. It's still way more than the $500,000 - $600,000 I thought we'd need yesterday. Looks like I should've multiplied that times 2.6, too.

And my goal is to be able to do this without dipping into the principal. If we have to, so be it, but I want to plan conservatively.

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