Quote:
Originally Posted by maat55
I wonder what year is a good year to use the formula.
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I think it is more of a rule of thumb/guideline than a "pass/fail" criterion. The MND formula is a linear approximation of a curve that is exponential (the more wealth you accumulate the faster it grows). So, back of the envelope I would say if you are destined to be a PAW you should be targeting the halfway point of your asset accumulation years to meet the guideline. My own projections show somewhere around age 40 to be a PAW.