Subject: Re: Shrewd Sam vs No-risk Ned
I stand by my numbers. Sam does NOT run out of money if he spends around $80K annually in today's dollars at the start, and around $100K annually in today's dollars after Year 18.

Use the actual inflation rates experienced in your time period, not your made up 2% rate, and see what you get.

He runs out of money. Inflation is a killer.