When looking at future cash flows in retirement, it seems fairly straightforward when accounting for monthly positive cash flow from a rental property - it basically offsets monthly spending, thus reducing the monthly total needed from other income sources (e.g., pensions, annuities, investment principal draw down, part-time job, etc.). However, if I will still be carrying a mortgage on the rental property into retirement, how should I view the mortgage principal pay down that is occurring monthly? I don't think this is cash flow, per se, because I can't buy groceries with it. That said, how should I be thinking about this monthly $ amount in my retirement projections since it certainly will be increasing my net worth? Thanks!
Downtown
Downtown
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