I was listening to a recent InvestTalk radio show (I was listening to the podcast, actually, not live), where he was talking about retirement stuff -- the July 23 show: http://investtalk.hitfastforward.com/. He was saying that, because of inflation, I should be adding another 3% per year when figuring out my expenses/retirement needs. I haven't done that, but I'm about to retire (or was planning to). If factoring in an additional 3% is really the best thing to do, then, I figure that for the entirety of my retirement years, that's a bunch of money. Should I stay at work for another year? The alternative, I know, would be to cut down on my expenses, in my planning – which I've already done as much as I'm comfortable with. Thanks for your help.