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stone_ad t1_iue8k0e wrote

This is a cool calculator. OP if you do use then know that their default setting are ultra conservative. They use 7% returns and 3% inflation.

7% is normally used as an inflation-adjusted rate. Otherwise it’s 10%. If you use their default numbers, then your are accounting for inflation twice OR assuming stock return in the future will be considerably lower than the past.

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