>Maybe I missed it, but did the Shockingly Simple Math completely neglect that wages and thus lifestyle typically increase over a career? Perhaps. On the other

>Maybe I missed it, but did the Shockingly Simple Math completely neglect that wages and thus lifestyle typically increase over a career? Perhaps. On the other hand, if one assumes that real (inflation-adjusted) wages are stable, then adjusts the rate of return to 3% and the withdrawal rate to 2.5% in real terms, the numbers work out in a similar way, and the general results that follow are the same.