1- There is no spreadsheet that can guarantee you will be fine.
I know people in the finance industry love to talk about retirement projections as if they can tell you what the future holds, and there is definitely value in having a plan. But the value is not that it gives you certainty. Just like any plan, financial ones are just guesses about the future. They can tell us the general direction we’re headed, but they lack precision when it comes to our exact destination…..
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