Rustic23
Thinks s/he gets paid by the post
How much pad are you comfortable with? Say you figure you can live on $30,000 a year, and FIRECALC says you will have $35,000. Then you have a 17% pad to annual living expense. As I have retired, mine turns out to be 20%. I guess an accompanying question, is how much below you comfort level would you have to go before you went looking for w#$k?