I am conservative and pretty much assume the worst.
I agree with Sweeps except I put life expectancy to 100. Because it is common in my family to live past 100, and life expectancies are rising pretty rapidly. Frankly, I should probably "up" it.
oh, for retirement age? Around 65 I guess. I haven't pinned it down, as I may be able to retire earlier or may have to work much longer. That is the one variable I usually play with on the calculators to see different scenarios. It's the one thing I feel I have some measure of control over anyway.
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