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Using a model spreadsheet... <snip> ...Kewep in mind that the gains grow more robust as time passes, a good reason to start as early as possible.

I understand that time value of money. I have studied a little bit of accounting, and have worked in bookkeeping for many years. I have played with Lotus spreadsheets for years, plotting and scheming about these very things.

Thing is, in case you haven't caught all my previous posts, that I'm STARTING OVER rather late in life. I am soon to be 45, and I don't HAVE another 30+ years to put towards it. I really have to get my ducks in a row and get on with investing for my future fast, in order to have even 20 years towards it when I retire. And I'd really rather retire in 10, since I just can't see myself working til I'm 65. <shrug>

That's why this whole thing is quite complicated and also quite unsettling for me. But I know it will be okay... I just have to get started, and time will take care of the rest. :)

Fool on!

Sonny
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