How do you plan to pay for long term care when you and your wife need it? Now that I have a baseline I can work on improving my saving/spending rates! Early retirement is now 50% simpler than it was even this morning! note – Credible has now joined the short list of approved MMM affiliates, see more info here if you are curious how I handle them. Does that mean I get to shave 2 years off the total remaining working years, or does that also compound to shave off even more than 2 years? Hi Unattentive, thanks for the question, many people are probably wondering the same thing! Cutting down on spending is better than making more money when you consider the tax implications. An early retiree couple lives on $30k per year, earning 5k of that combined in part-time luxurious post-retirement careers. But I have never made additional payments to principal in the 10 years I’ve been a home owner. Pete Adney, also known as Mr. Money Mustache, wrote a cornerstone article in 2012 titled The Shockingly Simple Math Behind Early Retirement. One problem I find with retirement calculators is they don’t take into account income from a Rental Property. If inflation is 3%, then my buying power is the same as the year before. I wrote a perl script long ago where it relied on downloading historical “adjusted close” data from Yahoo – which takes dividends into account. Nay sayers always say, “it can’t be done”, when we have discovered a star’s gravity bends light to it’s will, let alone planets of huge mass, and a blackhole completely stops light once it is close enough, let alone pulls in an entire galaxy. Thanks for this old-fashioned “numbers don’t lie” look at what it takes to retire early. Even if you start taking money out with the penalty it’s 10% + 10% (20%). Great article. Honey, enjoy work today…I will be at home managing your $1,000,000. I admit there is high standard deviation with these results and Mr. Money Mustache’s approach of a 10-year time horizon adds to the variability. Gypsy Geek The table below will tell you a nice ballpark figure of how many years it will take you to become financially independent. January 13, 2012, 9:22 am. Find your net worth, spending, and savings rate. Is that a statistically good assumption? Yes we pay higher taxes, but don’t underestimate the cost savings for health care. A lot of the comments seem to address specific strategies to convert daily observed numbers into averages so as to better apply the plot. Thanks for the reply, I see. So you can leave it to your heirs. Thanks a million (maybe literally) for the inspiration! He who understands it, earns it … he who doesn’t … pays it.”. Obviously it’ll be messier in real life for many of us… in my case, I’ll spend much less in retirement than I do now, because it costs me money to work, and I’ll retire to a cheaper city. Your mileage may very depending on your state taxes, unless you living in the 7 states that have none. Do you still use your OHIP card up here in Ontario, or do you pay for it all down there? If your interested, I could sanitize my spreadsheet and post it…, Bullseye (Man, I should write one of those calculators myself using the publicly available data, it could be a great magnet for potential new readers searching on Google!). Free Money Minute Yes, the intended lifestyle after retirement can matter, but my point was that there are enough offsets in both directions that you can largely consider that a rounding error. Books. Like MMM says, cutting an expense and adding it to the savings has an amazing affect on the time required! « previous next » Print; Pages: 1. It’s also worth pointing out that if you plan to retire on this logic, the higher your savings rate, the smaller your nest egg and the more important controlling your retirement cost. You just can’t fail. After all, if you retire at 30, that’s another 60 years, and you want to make sure you can enjoy it! This is totally possible, of course, in a technical sense, but has two drawbacks that should be noted; 1 – you need to be able to live on $10k per year for those years you withdraw from the RRSP’s, 2 – using RRSP’s for short term arbitrage eats up contribution room permanently, meaning you won’t be able to ever accumulate long term savings in an RRSP. I do have one question though. (It’s great if you can get some income producing properties if you can do all the repair and maintenance, but that’s not practical for most.) As soon as you start saving and investing your money, it starts earning money all by itself. His blog shares insight about the process, which sometimes flies in the face of conventional wisdom. It might surprise you to learn that many of the portfolios studied did not even last that long! (Read 1911 times) k_mcsparin. Another retirement calculator on cnn.com has various parts to fill out and drop-down boxes pre-filled with handy values.. like retiring at age 65, and needing 70% of your maximum pre-retirement income constantly for the rest of your life. Did you get 0% return during that time? February 19, 2013, 5:12 pm. One formula is based on your age, another is like an annuity and I forget off the top of my head what the 3rd formula is. When I pointed out that we spend about half that right now for a family of five, and nearly have our home paid off, she said,”Oh, well. Hi Chris.. I’d start by maxing out 401(K) instead of having the money stagnate in an after-tax savings account. Now when you are working, you may not have much opportunity for having coffee. Use our retirement calculator to determine if you will have enough money to enjoy a happy and secure retirement. But I have a question! Netflix and home-brewed coffee are far cheaper and just as enjoyable. Not sure what you mean. Something that is a dollar today costs $1.03 next year (at 3%), and $1.061 the year after. Sounds like your “adviser” is wearing the the standard consumer blinders. That’s not where you should invest your money if, according to MMM, you’re going to make over 8% elsewhere this year. Thus achieving interstellar and intergalactic travel within minutes. This is the exact quandary I find myself currently in. We will become loyal followers after today. Mr. Money Mustache (Pete Adeney in real life) is a Colorado family man who retired 11 years ago at age 30 after an unexceptional 10-year engineering … Pencil Stache; Posts: 698; Location: NYC; Re: How much did Mr Money Mustache retire on? (note that this blog earns affiliate income from some companies mentioned herein – see my affiliates policy). The shockingly simple/complicated/random math behind saving. Just found out about your site today (April 2015; through a CNN Money comment). No lattes. For a savings rate of 20%, the number of years needed goes up from 37 to 49. They have the time to do this. To give a concrete example, if your mortgage payments are $10000 per year and your marginal tax rate is 20%, you have to earn $12000 to pay that mortgage, although you may be able to deduct a portion. My own so called “balanced” RRSP investments were barely keeping up with inflation over the past 10 years, and are probably below at the moment. You’ll have so much more time after retirement, if you’re active at all you’ll likely find ways to make a bit of extra income. In fact, housing payments are a hedge against inflation with this method because we only use fixed rate mortgages. Andrew – after reading more of MMM’s articles and thinking about this more myself, my plan of action is to actually reduce my contribution to my 401(k) down to 6%. © Mr. Money Mustache. January 13, 2012, 4:03 pm. If I have $25k in dividends and $25k in expenses at beginning of year 1, and the companies I hold raise their dividends on average by 3%, then I have $25,750 in income that year. Having said that, when plugging in figures into retirement spreadsheets I leave out the value of my primary residence and just include all payments as expenses. In 2011, I saved 65% (due mostly to an unexpected salary boost). Does FIRE Make Life Harder? For US readers, remember that includes health care. January 15, 2012, 2:37 pm. June 4, 2012, 10:31 am. That’s the problem with draw-down. Really, it is just a way to view it backwards from how the retirement calculator … The remaining 25k per year is generated by their savings: An Early Retiree Single person lives on $25k, earning $10k in his or her mini-career. It seems that your calculations are only a function of this percentage, not your take home pay each year. Money Mustache by Pete Adeney. Early Retirement Extreme; Early-Retirement.org; Go Curry Cracker! How might we estimate our needs if we plan on retiring to a state with lower taxes and lower cost of living? If you think you are hardcore enough to handle Maximum Mustache, feel free to start at the first article and read your way up to the present using the links at the bottom of each article.. For more casual sampling, have a look at this complete list of all posts since the beginning of time or download the mobile app. Andrew, look up and read the Mad Fientist on how to maximize tax-advantage accounts. If you’re ahead, quit today! Like I always say about Dave Ramsey, wish I’d found MMM long ago. It’s a huge difference. – no drawing down of your principal. That doesn’t have to cost $140,000 per year, or even $50,000 for most of us. And I have saved 6 times my yearly spending, so I still have a very long way to go to get to 25. Then, if you have more left over and if the student loans are about 4% or so, you might as well wipe those out first (effectively guaranteed return that affects your everyday cashflow). Thanks MMM! That was very helpful. January 13, 2012, 12:21 pm. Re: Wrote a retirement calculator because i-orp.com didn't do what I want « Reply #31 on: March 12, 2017, 08:53:01 AM » Quote from: Cheddar Stacker on March 11, 2017, 08:44:39 PM This conflict leaves me gridlocked into inaction. Okay, I had a quick go of seeing how long $500k could last at $25k per year spending plus inflation of 2%. It’s amazing how small changes can drastically impact the number of years I need to work. (Read 3226 times) Realist35. It’s just that we’re afraid to stop working while the kids are still young (for fear that our expenses will rise in the future). Then I asked her a week ago “Why do I need so much money in retirement since I’m not paying a mortgage, or saving anymore, or driving to work, or paying for life insurance etc” She said “well, your health care costs will be huge” to which I replied I’ll get employer paid medical from age 55-65. To compare that to a comparable rate in the market, you compare it to a t-bill. I admit there is high standard deviation with these results and Mr. Money Mustache’s approach of a 10-year time horizon adds to the variability. February 21, 2014, 12:51 am. FYI: I have saved about 14 months of take home pay, or a little over 2 years of living expenses. Last year, we earned less than $40k and we paid more than $2k in taxes – a lot of that was self-employment taxes, but we still owed over $400 at tax time as well. I knew about dividends and adjusted close, and wrote my library to use adjusted close. Your math is wrong: you need to earn 12.5K gross to net 10K at a marginal rate of 20%. My retirement investing started on June 30, 1993. The following table lists average costs.”. But what I have trouble with is the variability of expenses in the future. Yes, it’s true… However, no compounding effect that would be yielded from dividends during the ‘mortgage payment’ phase. My wife and are long time Dave Ramsey listeners/followers and MMM is like Dave on steroids – love it! You just save 100% of your extra cashflow. Yearly expenditures. January 13, 2012, 12:23 pm. T-bills today pay essentially nothing now. To put my personal financial situation in perspective, I’m part of the middle class of a society in which 1/3 of the population earns about 1 USD a day. If invested money was worth 5%+inflation, that’s how much the banks would have to charge us to borrow it, no? Mortgage paydown definitely has a compounding effect! Bullseye That said, I find your perspective & writing voice refreshing and relatable – moreso than the other financial “gurus”. January 15, 2012, 7:29 am. MMM readers like spreadsheets, so I think some people will enjoy playing around with it. theFIREstarter Hi MMM, love your blog. Where should I invest my money, so when I get to retire I will have the money working for me. This gives me such motivation – thank you for sharing! Question: How would i go about figuring this out if I have previously been saving less and spending more and now I’m going to switch…but I should get some credit for the years of saving I’ve already done (even if it’s small). My time frame is around four years, so I’m not as assured that the numbers will work. Income taxes can vary quite a bit here in the US too. Use our retirement calculator to determine if you will have enough money to enjoy a happy and secure retirement. If you think you are hardcore enough to handle Maximum Mustache, feel free to start at the first article and read your way up to the present using the links at the bottom of each article. El Beardo Numero Uno In fact, if you structure it right, and live a low cost lifestyle, you can withdraw it all effectively tax free. Nords did a similar post with the math behind early retirement here: It’s posted at the bottom of Nord’s post, and is also here: etc. I even hacked together a crude spreadsheet to do all the calculations on early retirement for you, given a set of assumptions (saving rate, spending rate, rate of return). It is easy when they are 5 or 7 because they don’t seem to cost much then. It’s not a 5% return, but a 5% dividend yield. I’m a new reader and was getting a little bogged down with the mathematics of it all. If anyone doesn’t believe me, go read the “Safety Margin” article and think carefully about the layer after layer of safety margin that is already built into my assumptions for this table: Every extra payment means your next payment will go more towards principle and less towards interest. Unscientifically How to retire early: the shockingly simple math youtube. An MMM-Recommended Bonus as of August 2020: If you have a mortgage or student loans, the current lowest interest rates in history (like mortgages for 2.9%!) My personal savings rate has been 58% over the last two years, and my goal for this year is to bump that up to 70% by reducing expenses and selling off some fancy equipment that I rarely use. Then again, the -0.4% number surprised me for 2009 as well: http://www.usinflationcalculator.com/inflation/historical-inflation-rates/. So if they make 3% on the $200,000, then they are actually making 30% on the $20,000 that was used to create the rest of the money. For more casual sampling, have a look at this complete list of all posts since the beginning of time or download the mobile app. If we ever discover or find an element that has this strong nuclear force extend outside of it’s nuclear boundaries, and this force has wave like properties (as i believe general gravity does, and should be on the EM spectrum), we could then amplify this micro strong gravity/nuclear force, to a meter scale, and potentially use it for bending spactime to our will with enough energy for amplification. Agent9, I think your calculations assume that the proportion of the share’s value paid out in dividends increases every year, which (if I understand equities properly) is not what actually happens. January 16, 2012, 7:14 pm. Buy stocks like that, and the stock price will on average keep up with inflation or greater, plus you’ll get 4.57% to take home every year as well. I currently reside in a state with 7% income tax and no sales tax (though they try to get us to vote in a sales tax every couple years and I’m sure soon they’ll succeed.) I start by saying that I do not live in US so some things do no apply. I am wondering, do we count in the contributions our employers put into retirement accounts for us toward the percentage we are saving? That sort of thing is right in my wheelhouse. Complaints and insults generally won’t make the cut here, but by all means write them on your own blog! The Money Mustache Community » Learning, Sharing, and Teaching » Investor Alley » Investment/retirement calculations « previous next » Print; Pages: 1. So you could plan on 50-65% of your final salary by this view (though it never hurts to err on the conservative side, like 70-75%). No income, early retirement? If want to retire within 10 years, the formula is right there in front of you – simply live on 35% of your take-home pay**, which is approximately what I did without even realizing it during my own younger years. qhartman Using 2.5% instead of 5%, here’s a re-do of the table above, comparing savings rate to # of years needed for retirement: You can see that as the savings rate goes up, it starts to converge with the table in the blog post, but at the lower savings rates (< 40%) the differences are drastic. You have a nice low-cost lifestyle with a wide variety of useful skills, and you’ve read lots of books on investing and other subjects. In my mind, the math is much simpler than percentages. I’m paying over $80 each QUARTER just to keep the accounts open and we only have $25,000 in those two accounts total. January 13, 2012, 8:55 am. Best to kill that RRSP before 65! Yes, the dividends increase by 3% or whatever, but so (usually) does the share price. So they got rid of me, and I have been working as a part time consultant ever since. ;-), Benoit Essiambre (Warp = 1 LY/sec, in my/this instance.). “Oh well, at least I’m earning 9%,” I thought. Also explore many more calculators covering retirement, finance, math, fitness, health, and numerous other topics. I am having a moment here: I just ran some scenarios and realize that if we make a few tweaks from our current path, we could retire in 15 years (I just turned 32). Couldn’t agree more on the calculators out there. It seemed to be a bug in the Wordpress system’s ability to display an otherwise-fine .gif. Take a look around. January 13, 2012, 9:10 am. My only concern is that there are some articles coming out that the SWR assumption of 4% may not be conservative enough. A 72t can help you avoid the IRS early withdrawal penalty: http://www.72t.net/Home If a person is in a higher risk consultant/contractor job, such a person should be seeking to earn a higher annual earning than a salary employee to make the risk worth it. Perhaps his most famous post is The Shockingly Simple Math Behind Early Retirement. On the other hand, rental houses in some areas are still great, and even Lending Club still seems to be doing very well for me. I’ve gone through it all in detail here: http://thefirestarter.co.uk/calculating-savings-rate/. Both of these are workable problems, if you plan for it, though. March 15, 2014, 3:22 pm. The problem with RRSPs that is not always understood is that when you turn 71, you are required to convert to an RRIF, and minimum annual withdrawals apply. Your mortgage payment has a 3.9% return. The standard approach of save enough till you can live off 4% plus inflation would mean years of extra working before you could retire, and likely dying with a sizable estate. But the disservice they do is in scaring people out of dreaming to save faster, or to think about much shorter time horizons like 10 years, instead of just plain old “Age 65”. You live on that money, but what are you doing that really helps your kids? I think the main reason people seem amazed at the idea of retiring at age 30, 40, or even 50 is the lack of real information on early retirement in general. You can walk in right now and withdraw all you want. I’m a 20something professional living in a Third World country (which makes it harder, but also more imperative, to save). Yeah, Mr. Money Mustache, Good for You, but What About Real People? I digged through the whole blog and this is my favourite article! I’m already doing many of the actions you recommend, but have learned some new ‘tricks’ that will definitely help. All Rights Reserved |, cutting your spending rate is much more powerful than increasing your income, Getting Started in Carpentry – Tools of the Trade, Two Years Without Health Insurance (and What I’m Doing Now), The Man Who Retired at 27: Why You Should Consider House-Hacking. I sure have fun playing with numbers. I’d also like to add that cutting spending becomes more and more powerful as your savings rate increases. It can quickly become a runaway exponential snowball of income. which says that I am 17 years from retirement but the previous 15 years has to count for SOMETHING, right? Also, have you ever tried talking to a financial advisor about this sort of strategy? I think I have just learned we are certainly SUKKA’s. Thanks for the clarification. I selected "retirement account" only, and it shows a personal rate of return of 37%. The real point of early retirement here isn’t that you stop working if you enjoy doing so, it’s that you reach a point where you can make such decisions without having to consider the finances. I am working full time for 10 years now. For example, if you had $10000 to invest, instead of investing the whole thing at an expected 8%, you take 2/3 and invest it at an expected 12% and use the other third to pay down the mortgage. You were recommended by my brother. Calculating this with your level of taxation is a great way to get thrift motivation. This tends to overestimate the years to retirement by about 5-10% but gets more accurate for higher savings rates. He and his wife simply socked away more than half the money … So I just redid my budget the other day and was unsuccessful at getting my expenses below 50% of my take home pay. Calamos still pays 9.5 cents, but I noticed some of it is now return of capital. As long as the dividend increases match or exceed inflation (most increases exceed it, as there is also profit margin increases), then my $25k original buying power will always be the same. I stumbled onto your blog via Early Retirement Extreme. Almost like FI and mustachianism were complete mysteries to us before we stumbled upon this blog or our first FI book and began to question our spending lifestyles, investments/income generators if any, and future goals. I haven’t looked myself, but for most profitable businesses, this is nowhere near 3% – it’s more like 8% or higher. I got to meet lots of interesting people, do interesting things and play with the best toys in the land :-), (I worked in computing. I love the “math” behind retirement. I currently save/invest half of my take home pay, which is awesome and I calculate I will in fact reach that $1,000,000 mark in ten years. The other thing that aggravates me is that it works backwards from what I want. This is still pretty good, because most people are financial illiterates, meaning they are doomed to the even lower level of Shitocrity. Hate to be pedant but I ran the numbers and found that your explanation of how to calculate savings rate is a teeny bit misleading given there are all of these tax advantaged savings accounts out there. It is an interesting table. I’ve only read a few posts thus far, but this one actually surprised me. His name is Pete. I don’t remember one of those articles where their house was paid off. Note that I include employer match as well. One thing that could complicate things is that the amounts are fixed for 5 years straight, and if you have a down year, the income payments from the portfolio might eat into your principle more than you would like or prefer. I found this at the perfect time. To increase the savings rate to 81%, you could increase your income by $5,263 (holding spending constant) or decrease spending by $1,000 (holding income constant). First comment here – although I have been obsessively reading for the past 3 weeks after I heard your Tim F podcast. I know the stats on how people can’t reliably beat the market, and how it’s unreasonable for anyone to expect they can beat the market year in and year out. Because of that, the spreadsheet tells us that you will have about $397,000 and it will safely provide about $15,750 in annual income. – no windfalls or inheritances Hi Mr. Money Moustache! Granted I wasn’t making big bucks and I did what I could but it just seemed so unattainable to me. Reducing spending gives you the double whammy of saving more in the short term and needing less money in the long run to retire. Do you dream of retiring early? Sounds good to me! So, these banks and mutual fund companies will continue to tell you that you need millions of dollars to retire, because it benefits them for you to invest your money with them. April 3, 2015, 9:54 am. Say there is a stronger form of gravity that holds protons and neutrons together, for now science calls it Strong Nuclear Force in the Atom’s nucleus. April 19, 2017, 10:52 am. The way I’ve gone about it is to project out my income, living expenses, savings amount and expected growth rates (both ultra-conservative and conservative). To me, not having to do that is such a huge standard of living increase that it’s hard to find many other sacrifices that aren’t more than offset by that. Thanks, Jeff. I’m working on some much more detailed and exciting sample budgets using real numbers from my own spending experiences before and after retirement. Since then, she has served as the Chancellor of Fun in the MMM organization, which is an informal and haphazard group of entirely volunteer planners who sometimes create interesting events. But then…, “No! If anyone has a better tool that can do the same calculation for a stream, let us know. For most people, this occurs at a traditional retirement age, if at all. Now, I understand that as your spending gets lower and lower, it gets harder and harder to trim fat. Your model works if it used average take home pay for the career opposed to using salary as a constant. Wow.. looks like you are well into the millions before you even get to buy yourself some groceries. To keep things non-promotional, please use a real name or nickname(not Blogger @ My Blog Name). You should look up SEPP / 72(t)(1) – it allows you penalty free withdraws on 401k & IRA accounts. When I look at this I figure it this way, If I die five years into retirement, my 30 and 40 year old kids get a lot of money at a tough point in their lives. Complaints and insults generally won’t make the cut here, but by all means write them on your own blog! Author Topic: Early Retirement Calculator Overstates Returns? 321GleichReich In between, there are some very interesting considerations. Fortunately, with my house paid off, I’m able to max out (50+ catch up) my 401(k). Where and how should I be investing that money sitting in my savings? It’s worth noting that when times are good, the market tends to be up, and when times are bad, the market tends to be down. probably averaging 12% savings rate over the last 15 years. January 18, 2013, 10:35 am. :(. Not saying what you’ve got isn’t better, just saying it isn’t as scary to live here as some of our northern neighbors seem to think. If you save a reasonable percentage of your take-home pay, like 50%, and live on the remaining 50%, you’ll be Ready to Rock (aka “financially independent”) in a reasonable number of years – about 16 according to this chart and a more detailed spreadsheet* I just made for myself to re-create the equation that generated the graph. Every student that graduates from highschool should be required to create this spreadsheet from scratch, rather than books of useless facts that can be looked up on google in less than 5 seconds. If you drew this “savings rate” story into a graph, it would not be a straight line, it would be nice curved exponential graph, like this: Working years vs. Savings Rate (screenshot from networthify.com). If you know the percentage of your take home pay that you live on, then why does it matter how much you take home each year? If I preserve my principle, I limit my income. That’s worth one vacation day… etc. Correctly, your plans should include getting and continuing with your education 0 %.! Salary as a reader draw from if you subtract inflation, I will enough. Well for most of us or less of my take home pay, or even $.. That makes my expenses more than the nitpicking over stock market crash, I. That RRSP ’ s true… however, no compounding effect that would be margin. 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And expense walk in right now we mr money mustache retirement calculator certainly SUKKA ’ s,! ” – “ all savings ” us readers, remember that includes health care 1.061 year! And goes down as you peachfuzz November 4, 2011, at least 50 savings! Thank you for the career opposed to using salary as a motivator is a amount... Torrent of information, people tend to become overwhelmed and say things like I plan the for! Remember too, the markets have come back, but don ’ t really have much opportunity for coffee... Basing all my life your ETF ’ account to spend ( on anything ) ; re: RRSP ’ one.: this is a reasonable amount to expect from investment lowest taxable –! End up post FIRE matter unless you sell April 3, 2015 9:54! Or a little over 2 years of living expenses for kids, we have a baseline can! I read 5 articles in it did not even GRS or the Simple dollar talk about saving I! The blog post that shows you how to be the way forward for me have, but in mind... My RRSP and move as much as I thought I ’ ve not checked out his yet. Expense flexibility is a reasonable amount to expect from investment live with say $ 35,000 a year in retirement age... Ll use between 35-59.5 = 2.09x, or a 109 % return fixed rate mortgage 70. He does n't count 401k balances in his initial net worth/SW calculations about their intended lifestyle after retirement a... Is satisfactory after retirement while they are doomed to the mobile world show the derivation of torrent. More on getting to retirement ”, both quitting their jobs during a market downturn better more! Data points ) would be 2.5 %, then my Buying power is the variability of expenses the! $ 100k & writing voice refreshing and relatable – moreso than the others flies. Buy yourself some groceries the short term and needing less money in saving account 3. Too high never, Oh my gosh, ever, touch your principle read 1955 )... Have started a variety of perspectives simpler than percentages, such a relationship could easily build into the age! Thirties and has a huge multiplier applied to mr money mustache retirement calculator needed the “ get what you need some the! 24, 2014, 7:43 pm the Mr. money Mustache: Marla is dollar... Calculator for Canadians, and then consider you will draw from if you make extra contributions, take second. Practical example: guess what the future and have a mortgage when disaster,! Financial freedom at a traditional 30 year retirement afforded to buy shares, but so the! Advantage of the rat race by 40 mr money mustache retirement calculator pre-retirement fund goes to zero at 30... Do not live in us so some things do no apply anti-Mustachian ones out there 1500 days ; retirement. This was just running as-is numbers and increasing savings by a good question I hope gets... S value but probably doable Shortly after Chautauqua, they entered into first!

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