kronan

If you want to predict future events, you have to make assumptions.

IMO-best way to end up with a positive outcome is to over estimate inflation and under estimate market returns.

When I plug in my assumptions to my financial plans, I assume a 3% inflation and a 5% return. I've had financial advisors in the past (dot.com days) who were advocating I use a 10% return on my plan. Numbers don't look nearly as good when you take the predicted market returns and reduce them by a percent or two.