pb4uski
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Yes, it is padded. The variable is healthcare. After looking at Healthcare.gov and my projected withdrawal, I’ve padded healthcare expense by at least $500/month -$700/month more than the quotes.
I also have $6000-$6500/year budget for a European vacation, which we could cut. We already have 3-4 weeks timeshare/timeshare exchange for US vacations. I still have Cable, so we could cut the cord.
I’m 54 .. my equities are 90% .. was thinking of shifting 10% more to bonds.
Have you played with the Investigate tab and looked the most you can spend at a defined success level and/or how asset allocation impacts your results? Looks like you have $12-15k of padding in your spending.
95% success would be plenty good in my book.