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Using the above different scenarios, I can "justify" putting anywhere from $300,000 to $420,00 into the market.

Which way is correct?

I don't know which way is "text-book" correct, or even which way a financial planner (highly overrated advice IMHO) would do it, but in real life I am using the "my way" method.

There is an implicit assumption in all of the present value calculations that money will have a worth after the time period under consideration. With retirement calculations, after a long enough time, I will be dead, and money will have no worth to me.

A fixed stream of income, from either a pension, SS, or any other source is exactly the same as a fixed-income investment to me if I am going to die. The way to handle inflation is to count the income stream as a fixed income investment and to adjust the equity/fixed amounts periodically to keep the ratio where you want it over time.

In our case, our fixed income streams are high enough to push 100% of our investable assets into equities and real estate. I am quite comfortable with this.
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