Originally Posted by hindsight2020

I want something of what you're smoking. I don't come up anywhere near 5 million bucks on a 16% B-fund I contribute to between 35 and 60 (I'm not working full time past 60). This is the type of stuff those mythical excel spreadsheets are based out of. Everybody makes 8% net yield YTY for 40 years, nobody gets furloughed, nobody gets bumped of out CA pay, nobody medicals out a day before 67 (by then). GMAB.

Accounting for loss of income, displacements and early medical out, you'd be wise to assume 5% net yields and amortize your contributions based on NB FO rate deferrals for the first 15 and then WB CA for the last 10. When you do that, you're much closer to a 1.5MM balance. 2.3MM with that polyanna 8% return for 25 years.

Assumptions are a tricky thing, especially if that SAH trophy wife is with ya based on the projected outcome of these common core math, Enron "mark to market" retirement income calculations. Caveat emptor fellas.