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Good point on the lump sum thing. I guess if I wanted more resolution I could run it monthly rather than yearly, but I guess inter-year differences don't make too much of a difference to me right now because the salary increase and coresponding savings increase typically only happen at the end of the year (for me). I suppose this will underestimate earnings a bit because of the interest gained during the year, but conservative is better.

I hear you on points 1-3. I am shooting for 3-4M so I know I am quite short, but this instance is one of three accts I am working on so we'll see if I can get there. I hadn't heard the analogy you have in #1. That is great...I can use that in my job as we often work with averages. Regarding inflation, I'm assuming 3% in my final model, and only 2% wage increases so that will have me earning less close to retirement. Realistic? Maybe, maybe not, but conservative I hope. Thanks for the insights,
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