I think most people add in everything if they actually retiring. People like me who are 15-30 years away from retiring sometimes don't count SS or pension, or we recudce the expected amounts to allow for various pessimistic scenarios about SS going away or the companies backing our pensions folding. But then we are mainly calculating SWR for the sake of planning savings and giving us an idea of when we may be able to retire.When calculating WR of retirement funds, are most people assuming this is their only income stream, or do most of you have other sources of retirement cash and the WR calculations are just to ensure the fund does not run out?
Mark
Thanks! This is a big milestone...I have a car loan that I'll pay off next month, then I should be completely debt free.BigMoneyJim how did you get that counter up there? Oh, and congrats on paying off the credit cards.
#!/bin/sh
DDAY=20040617 # Date I pay off the credit cards!
FILEPATH=/home/jim/public_html/er
#see if today is later than DDAY
TODAY=`date +%-s`
TEMP=`date -d $DDAY +%-s`
if ((TODAY > TEMP));
then
#echo "Now is later than DDAY";
DAYS=0
else
#echo "Now is not later than DDAY";
DAYS=$((`date -d $DDAY +%-j` - `date +%-j`))
#echo $DAYS
fi
eval convert -draw \'text 26,36,\"$DAYS\"\' $FILEPATH/countdown.png $FILEPATH/countdown.gif