Possibly dumb question: can an early 30 something trust that number to apply to them? I'd imagine the calculation is more sophisticated than I can imagine, but

Possibly dumb question: can an early 30 something trust that number to apply to them? I'd imagine the calculation is more sophisticated than I can imagine, but can it take into account things that haven't necessarily had their full impact yet? Like potential world war, deep recession/depression, massive unrest, things like microplastics, forever chemicals, dropping testosterone, the after effects of covid itself as well as everything around it.