Man I hate doing this. I said it was my last post but now I realize I must explain my numbers. I used 8% of a $260k cap($20,800). I didn't even count 9% of the $260k cap because it doesn't kick in until after my projected retirement date. You got longer the math gets better than mine. The "ladder" I am accused of "pulling up" gets much longer the more time you have left until retirement. Please, I can't do everyones projection for them. Do your own calculation and if it's not enough for you then vote No. Take the emotion out of all this.