personal financeRetirement Planning
#RI-6a6b0225·7 months ago·
1
“to use Amortization-Based Withdrawal for retirement spending”
What Actually Happened
Used ABW with 0% real growth, $1.2M initial balance, and $0 ending value, resulting in $40,000/year withdrawal
What I wish I knew
"Considered real-world complexities like future income and spending"
Advice to Someone Facing This Now
If I could tell you one thing
"Layer PMT functions to handle arbitrary income and spending needs"
Regret Index
2/10
Positive or neutral outcome.
Would make the same decision again.
Would make the same decision again.
Advice for Someone Facing This
Short, upvotable wisdom. The most helpful rises to the top.
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personal finance Category
370
personal finance decisions logged. Avg regret 3.8/10 across the category.
Same Outcome Band
59%
of personal finance decisions land in the settled band the same as this one.
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