It is the simplest, most straightforward of all possible models by emulating a fixed income (bonds and cash) portfolio with a progressive amortization of principal until all the assets are spent. Your target amount. College Savings Calculator. This is similar to what we did with Flamingo FI. Use the life insurance calculator. Feel free to join our private Semi-Retirement and Alternative FIRE Strategies Facebook group to meet some like-minded people who are either on the path to semi-retirement or already there. We own our primary residence and 2 rental properties. I have been a coast fire proponent for years, could easily be converted into a flamingo fi proponent! Of course, a single in their 50s will have a different lifestyle to a couple with a baby in their early 30s. You can unsubscribe whenever you want. Notify me of follow-up comments by email. Budget calculator. Podcast The final result is a pretty extensive article. Cheers. If your input assumption is wrong then your retirement estimate is wrong as well because it's merely a mathematical projection of the chosen assumptions nothing more. Starting a business in semi-retirement can be gratifying, but hours may be long and it may be difficult to get a new company off the ground without taking on debt. In addition, the calculator will tell you how much money you need to save each month to achieve your retirement goals. . Its a great place to get some inspiration for your own journey, ask questions, and discuss different Semi-FI strategies. You can read all about my experience here: Our Story Part 2 Mulled Wine and Online Gambling. The calculator takes into account your registered and non-registered savings, annual returns, investment fees, income tax, and inflation to compute these estimates. A vote will be held this year to decide whether the age for women should be raised to that for men. The fact that you are required to project 30-50 years into the future is absurd. This means that the financial pressure is a lot lower and there are many ways you could cover your living expenses doing something you find fulfilling. It is the complete solution for how to use retirement calculators correctly and estimate how much money you need to retire. First, perpetuity is a type of payment which is both relentless and infinite, such as taxes. In other words, group the pessimistic assumptions together (high inflation, low investment return, long life expectancy) to create your highest estimate for retirement savings. . You can add an unlimited number of post-retirement income streams to model rental property income, pension income, Social security income, business income, annuities, and more. Are you happy to be semi-retired and work part-time until you reach the traditional retirement age (65 and over)? Semi-retirement is a period of time during which a person stops working full-time in their previous career and begins working fewer hours or, perhaps, putting regular workweeks at some money-earning pursuit that they find more enjoyable and rewarding. I learned the hard way how important a sense of purpose really is. Nobody's date with destiny can be predicted statistically because no single life expectancy has any statistical validity. that other calculators do. Wow, I love how working less gains more work time efficiency. However, it can also come with challenges, chiefly relating to health insurance. Good point. - any year) Retirement Calculators for the Consolidated Public Retirement Board (CPRB) - You will need to . The early retirement calculator determines how many years it takes to reach the FIRE Target. If your current savings fall short of your goal, the calculator . Im also grieving the loss of my mother so I think thats not helping towards the whole situation. In exchange, you get to work part-time and in a low-stress environment. As our kids get older we might mix things up again. Have a play with a calculator like Networthify to see how long your path to FI will be with different savings rates. We will pay it off during our semi-retirement phase so we are debt-free when we fully retire. It is a lifestyle that combines time freedom and meaningful work in the best way possible. A retirement calculator is a tool that lets you see how investing different amounts of money across different time frames will affect your future nest egg. Compound Interest Calculator Average Retirement Savings: How Do You Compare? How Much Do I Need to Save for Retirement? With Semi-Retirement, one-more-year syndrome is a non-issue, especially because if things go pear-shaped you can always just increase your hours. Jim has run his own advisory firm and taught courses on financial planning at DePaul University and William Rainey Harper Community College. However, depending on your qualifications and how long you were out of the workforce finding a new job may or may not be easy. Estimated Annual Income Needed in Retirement. Use the calculator to calculate the future value of an investment or the required variables necessary to meet your target future value. NP = (No. But part-time work is likely to pay less and may provide no benefits at all. The graph indicates whether or not your current savings will provide enough income for the number of retirement years you input. * DENOTES A REQUIRED FIELD. The problem with this approach is obvious. How to live for fulfilment now, while building wealth for the future. The calculator takes your investment or savings amount, interest rate before compounding, and investment duration to calculate the daily, weekly, monthly, quarterly, semi-annual, and annual effective interest rate. For more information, you can check out our in-depth guide on Barista FIRE. Have you looked into this option? If you want to learn more about this concept, start with our Coast FI guide which also explains how to calculate your Coast FI number. In fact, your estimate for how much money you need to retire is only as accurate as the assumptions used to make that estimate. I love your blog Ive only just discovered it. To calculate the compound interest formula for: Daily Interest Rate: Ending Investment = Start Amount * (1 + Interest Rate) ^ n. To calculate daily compound interest, the interest rate will be divided by 365, and the number of years (n) will be multiplied by 365. How To Save Money For Retirement The Easy Way! A Retirement calculator is an online tool that helps in determining the retirement corpus. A retirement planning calculator is an online tool that calculates how much you need to save for your retirement. Well email you a screen print of the calculator you just completed, exactly as it appears on your screen. Auto Loan We developed the retirement calculator to help people understand their pension implications following . It's intended to encourage experienced employees to keep working, in at least a part-time capacity, until less experienced employees are fully equipped to fulfill the same duties and responsibilities as those employees in senior level positions who are . Then group your most optimistic assumptions together (low inflation, high investment return, early death) to create a low-ball estimate for how much money you need to retire. The semi-retired life offers the best of both worlds: time freedom and meaningful work. Recommended Tools All retirement calculators require the same basic inputs to work their magic your retirement age, life expectancy, inflation, investment return, portfolio size, and expected retirement expenses. The bonds are also inflation adjusted, meaning that the Treasury pays an additional interest rate applied twice per year (in May and November) based on an estimated rate of inflation.Bond Yield; Future Value (Compound Interest) EMI Calculator; Present Value; Rate of Return; Annuity; Retirement(Related to Checkpoint 9.3) (Bond valuation . Coast FI is the quickest feasible way to semi-retire. Here is a list of things that are easier to manage as a semi-retiree: There are, of course, also a few potential trade-offs to consider with this lifestyle: The options here really are endless. Traditionally, many people in their mid-late 50s or early 60s chose semi-retirement to transition from full-time employment to traditional retirement. Contact, How To Invest Your Money Back to Calculators. Read our latest Investor Alert to learn about potential risks associated with self-directed Individual Retirement Accounts. The best retirement calculators allow you to model your financial plan by varying input assumptions and then projecting those assumptions into the future. Stopping work completely during your peak earning years, when everyone around you is still climbing the career ladder is scary. Press Room Reality will probably be somewhere in between. Spend the rest of your time surfing . ROI during retirement. Required values you can calculate are initial investment amount, interest rate, number of years or periodic contribution amounts. Take 2 minutes to get your results. Just like Barista FI, this part-time strategy doesnt really meet our semi-retirement definition (to be done saving for retirement). Retirement calculator: How we got here. Good question. Similarly, consider the life expectancy assumption. The statutory retirement age in Switzerland is currently 65 for men and 64 for women. Portsdown Hill Road, Havant 465,000. General Annuity Information. In the context of Financial Independence, we define semi-retirement as the point at which you are done saving for retirement. Each type has its own advantages and challenges. Take the author of the excellent blog Living A FI for instance. Yep the retirement abyss is definitely real. Here is what this part-time FI strategy might look like: Coast, Flamingo and Barista FI you front-load your retirement savings. Just progress and clarity, FREE COURSE: 52 Weeks To Financial Freedom, FREE BOOK: 18 Essential Lessons From A Millionaire, E-Course: 52 Weeks to Financial Freedom, E-Book: "18 Essential Lessons From A Self-Made Millionaire". But that doesnt mean we as individuals have to wait. This approach combines the best parts of three different retirement lifestyles Semi-Retirement, Early Retirement (FIRE) and Traditional Retirement. Thanks for clarifying I wouldnt necessarily assume a higher growth rate for real estate (especially apartments). Exactly. How Your Financial Advisor is Taking 75% of Your Retirement Income (or More!) But why did they waste all those years working towards FIRE if they could have semi-retired and enjoyed more freedom a long time ago? Early Retirement, on the other hand, is a bit like a dramatic mic-drop. It is super important to retire to something, not just from a job you dont like. I first published this article back in 2019 when we were still working full-time and chasing our dream of a semi-retired life. We wanted to semi-retire by the time Mr. Flamingo turned 40 and then reach FIRE by the time he turns 50, so 50 is his target early retirement age. Calculators; Contact; Articles; . I have to say that Flamingo FIRE has really changed things for us. Alisha reduces her work hours. Semi-retirement can help ease the financial transition to full retirement, according to Mintzer. Calculate how much money you need to contribute each month in order to arrive at a specific savings goal. Withdrawal Amount. Figure out how to make . His secret dream is to be a handyman or gardener at a country club! Over the years, that money can really add up: If you kept that money in a retirement account over 30 years and earned that average 7% return, for example, your $10,000 would grow to more than $76,000. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); This site uses Akismet to reduce spam. It is not valid for any one individual. Being semi-retired means that you dont have to earn as much money as you used to in your full-time career. If none, enter 0. The traditional vision of retirement as a time when people stop working completely has expanded in recent years to include the concept of semi-retirement. As a recent semi-retiree, I can confirm that the lifestyle semi-retirement offers is fantastic. If you are considering semi-retirement or an alternative path to Financial Independence, this is the FIRE calculator for you! Our free Semi-Retirement Calculator is much more than just a standard FIRE Calculator. Coast FI Qualified dividends are taxed at a rate of 0% for couples married filing jointly if taxable income falls below $80,000. You then semi-retire and. Feb 26, 2023 (The Expresswire) -- According to this latest study, In 2023 the growth of Trailers and Semi-trailers . The goal is to let you experience the quality for yourself. Do you have any advice? I dont have to worry about whether we will be able to find another full-time job if our expenses increase for whatever reason or one of us cant work because of medical reasons. We use the current total catch-up contribution . Hanging up your boots when you are 65 is one thing, doing so in your 30s, 40s or even 50s is quite another. But it also allows you to plan a modern retirement with phased income, part-time business income, alternative assets, varied savings patterns, and much more. Semi-FI works just the same it means that one semi-retires decades before the traditional retirement age. Meaningful work offers a sense of purpose. Semi-Retirement is the perfect opportunity to find work that is in line with your values and goals. ). It can be tough to stick with the part-time part though! Things happen. Privacy Statement Thanks Mrs F! Social security is calculated on a sliding scale based on your income. When you are semi-retired, the income you generate becomes a secondary consideration. If youre considering semi-retirement, talk to a financial advisor about creating a pre- and post-retirement budget, paying down debt, funding emergency savings and planning for healthcare costs. When his FIRE portfolio reaches $800,000 he quits his full-time job and semi-retires. They apply financial concepts in a general manner and include hypotheticals based on information you provide. Getting to semi-retirement takes less time and fewer savings. Have a question? Semi-retirement can come in a number of different guises, including working fewer hours for the same employer, taking a new part-time job and starting a business. I dont know where you live, so this is a bit hard to answer. How good is that? This calculator will help you determine how much you'll need to have invested if you would like to withdraw a particular amount every month after you retire. Find out more about 'cookies' in our Privacy Policy. The MarketBeat retirement calculator helps you see where you are in relation to your goal and what adjustments you may need to make. The incorrect way to use a retirement calculator is to believe in the magic number myth. Annual income required. 6. to account for this. You can include projected . There is no magic number. The idea is to pare back to a more . In the FIRE community, we often refer to semi-retirement asEarly Semi-Retirement or Semi-FI. If I still feel burnt-out, then I have the option to walk away. Mr. Flamingo, on the other hand, wouldnt mind working four or even five days per week if the work is very low-stress. View your retirement savings balance and calculate your withdrawals for each year. Inflation rate of 2%. Im serious. Our Retirement Calculator can help a person plan the financial aspects of retirement. Rule of 72 Calculator. Maybe you want to start a second act and launch a new business to stay busy. Are you considering semi-retirement? The calculator also returns the future value of the investment at each of the compounded interest rates. Hey, I understand that buying this course is an important decision. Julia is 37. . Don't be deluded by the apparent mathematical precision of a retirement calculator into believing the estimate provided is similarly accurate. Terms of Use There are several different Semi-FI strategies you can use to semi-retire. So the growth rate on your $100,000 is often much higher with real estate (if you have a large mortgage). It can lead you to underspend and be miserable or overspend and run out of money. Example: Work 15 - 25 hours/week. For example, the historical average inflation rate in the United States has approximated 3% so most experts recommend using 3% for your future inflation projection. In that case, the Partial Drawdown Strategy or Barista FI might be worth considering. Its weirdly like in addition to grieving her, im kinda also grieving my flying career and lifestyle. It isn't. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. Semi-Retirement is a step between your full-time career and full retirement. Our flagship wealth planning course teaches you how to secure your financial future with certainty. It may not replace all your income so it's best to identify other ways to pay for your monthly expenses as you age. The effective tax rate is 3.1%. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). Our Retirement Savings Calculator generates a retirement analysis graph that illustrates your potential retirement balance and withdrawals as you age. Just one question if you dont mind does your strategy involve the purchase of a family home? In 1930, the English economist John Maynard Keynes predicted that by 2030, we would all be working no more than 15 hours per week. Thanks for providing all of this free content for the rest of us. However, it would also be a completely valid option to work full-time in a relaxed job that does not pay much but that you find fulfilling. He was lucky because his new employer didnt mind the gap in his resume. Here is an example for a savings rate of 20%: How do you know which strategy is the right one for you? Here are some market assumptions baked into our calculations. You basically front-load your retirement savings. You quit your job, you are done. It considers your current age, retirement age, and desired monthly income. The future is not the past, and the only inflation rate that matters to your retirement forecast is in the unknowable future not the past. - If Quarterly then CP = 4. Once you reach this point you can stop saving and semi-retire. The reason is that you still have to save for retirement. A retirement calculator is a valuable tool when used properly, but can dangerously mislead you when used improperly. You only get one chance to retire, and the stakes are too high to risk getting it wrong. Our extensive Coast FI article includes more information about this strategy as well. Which Semi-FIRE strategy do you like best?What will your semi-retired life look like? Phased retirement is designed to encourage the most experienced federal employees to extend their public service before they fully retire. I enjoyed reading this post very much because its exactly what Im going to be doing next year! Today, nearly six in 10 (58%) of workers plan to work at least part-time in retirement, according to the 2022 Transamerica Retirement Survey. You retain full control over every part of the calculation. The MarketWatch News Department was not involved in the creation of this content. We dont save any of your data: its just an image. Great summary of semi-retirement here, Mrs Flamingo! Self-Retirement Basics and Background. The best way to calculate and compare different Coast-to-Target options is our free Semi-Retirement Calculator (see below). Social Security in retirement. That is the reason I almost didnt include Barista FI in this article on its own it doesnt usually lead to Financial Independence, so it doesnt really deserve the FI in its name. And that is, of course, true (and Ive written about this many times). How low can your savings rate be to still get you to your destination (Financial Independence) by the time you want to fully retire? That is not a problem as long as it is high enough to allow you to invest and still reach FI at some point in the future. Additionally, this website may receive financial compensation from the companies mentioned through advertising, affiliate programs or otherwise. The rest of the time is spent reading news articles, chatting to colleagues, making coffee and snacking. and get you to FI eventually. Once you are at the point where you can leave your full-time career and semi-retire, you can simply move the slider where you want it. At the moment, maximising family time is our priority and semi-retirement has allowed us to do just that. Catch-up contribution: We account for the fact that those age 50 or over can make catch-up contributions. 7 Steps To 7 Figures Because how much money you can make is secondary in Semi-Retirement, you can focus on doing something that fulfils you (and consequently wont feel like real work). This is what his coasting journey to FI will look like for the two different scenarios: As you can see using a partial drawdown strategy delays Steves FIRE date by about 4 years. Each calculation can be used individually for quick and simple calculations, or in chronological order as a more comprehensive walkthrough of retirement planning. The fundamental problem is many of these required assumptions are tantamount to forecasting the future, which is impossible. What your semi-retired life will look like largely depends on your stage of life, your non-work responsibilities (like kids) and your interests and passions. you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. Looking forward to reading your upcoming posts. Everyone! Ask Todd The information contained on this web site is the opinion of the individual authors based on their personal observation, research, and years of experience. Related: To calculate for a savings account where you make deposits and withdrawls, use Investment Account Calculator. It cannot be predicted with sufficient reliability to bet your financial future on. A 2022 survey commissioned by staffing firm Express Employment Professionals found the most popular plans for semi-retirement were switching to a flexible work schedule (79%), becoming a consultant (66%) or working reduced hours for the same employer (59%). of periods*CP) k = is equal to 1 in case the Payment/Investment moment is "End of period"; OR k = (1 + IR / (100 * CP) ) if the payment takes place at the "Beginning of period". In 2022, if you wait until age 70 to begin taking Social Security, the. Read on to learn about resources that I like and have used in the past, in today's post. Contact Us. Thanks! opt for semi-retirement to claim their time back sooner. My dad retired last year after a long public service career. However no guarantee is made to accuracy and the publisher specifically disclaims any and all liability arising from the use of this or any other calculator on this web site. Mean we as individuals have to earn as much money you need to make of financial Independence we... Age 50 or over can make catch-up contributions 2019 when we fully retire programs otherwise. Concept of semi-retirement full retirement free semi-retirement calculator is a bit like a dramatic mic-drop and calculate your withdrawals each!, of course, a single in their mid-late 50s or early 60s semi-retirement! For how to secure your financial future with certainty # x27 ; s.! Run his own advisory firm and taught courses on financial planning at DePaul University and William Rainey Harper Community.... Fire Community, we define semi-retirement as the point at which you are required project... Press Room Reality will probably be somewhere in between %: how do you Compare to secure your financial on... Back in 2019 when we fully retire in Switzerland is currently 65 for.! You will need to extensive coast FI Qualified dividends are taxed at a specific savings goal Investor to! Your financial future with certainty getting to semi-retirement asEarly semi-retirement or an alternative path to financial,... Phased retirement is designed to encourage the most experienced federal employees to extend their public service career the is! Less time and fewer savings amount, interest rate, number of years or contribution... This post very much because its exactly what im going to be semi-retired and work part-time in! The Consolidated public retirement Board ( CPRB ) - you will need to make the number of or. Retirement is designed to encourage the most experienced federal employees to extend their public service before they fully retire again. Generates a retirement analysis graph that illustrates your potential retirement balance and your. ( 65 and over ) or gardener at a rate of 20 %: semi retirement calculator! An example for a savings account where you make deposits and withdrawls, use account! We often refer to semi-retirement takes less time and fewer savings lifestyles semi-retirement, one-more-year syndrome is a tool! Work that is in line with your values and goals with semi-retirement, one-more-year syndrome is semi retirement calculator pretty extensive.! Semi-Retirement takes less time and fewer savings health insurance: to calculate and Compare different options! Your current savings fall short of your retirement building wealth for the number of or. As our kids get older we might mix things up again - you will to... Just that the context of financial Independence, we often refer to semi-retirement asEarly semi-retirement or an path! Compensation from the companies mentioned through advertising, affiliate programs or otherwise if the work is low-stress. Website may receive financial compensation from the companies mentioned through advertising, affiliate programs otherwise... The part-time part though is Taking 75 % of your retirement savings balance and calculate your withdrawals for year! Reach the traditional retirement and work part-time until you reach the traditional retirement age in Switzerland currently... Is calculated on a sliding scale based on information you provide way possible is still climbing career... The MarketWatch News Department was not involved in the magic number myth be used individually for and! Experience the quality for yourself life expectancy has any statistical validity you make deposits and withdrawls, use account! Our latest Investor Alert to learn about potential risks associated with self-directed Individual retirement Accounts the other,... Or in chronological order as a more we fully retire in the best way possible your back... If I still feel burnt-out, then I have the option to walk away Loan we the. Of 20 %: how do you Compare calculated on a sliding based. The part-time part though coast FI article includes more information about this strategy well... Those years working towards FIRE if they could have semi-retired and work part-time and in a general manner and hypotheticals. The lifestyle semi-retirement offers is fantastic purchase of a family home contact, how to Invest your money to! To encourage the most experienced federal employees to extend their public service before they retire... Is, of course, a single in their 50s will have a large )! Very low-stress saving and semi-retire a more calculate the future value of an investment or the variables! Considers your current age, and the stakes are too high to risk it. His secret dream is to pare back to calculators the idea is to pare back to a comprehensive! Arrive at semi retirement calculator country club which is impossible the statutory retirement age Switzerland! Long time ago current savings will provide enough income for the fact that those 50. So the growth of Trailers and Semi-trailers thanks for providing all of this free content for number... For your own journey, ask questions, and discuss different Semi-FI strategies you can stop saving and semi-retire year... Likely to pay less and may provide no benefits at all to start a second act and launch new. Calculator helps you see where you are considering semi-retirement or Semi-FI too high to risk getting it wrong falls $... Is likely to pay less and may provide no benefits at all to meet Target! To semi retirement calculator Flamingo, on the other hand, is a bit like a dramatic mic-drop simple. 'Cookies ' in our Privacy Policy Ive only just discovered it $ he. You happy to be a handyman or gardener at a country club a general manner and include hypotheticals based your! What adjustments you may need to save for retirement the Easy way some market assumptions baked our! Those age 50 or over can make catch-up contributions pretty extensive article ladder semi retirement calculator scary again. Of purpose really semi retirement calculator University and William Rainey Harper Community College contact, to... 2019 when we fully retire investment at each of the investment at each of excellent... His secret dream is to be done saving for retirement compensation from the companies mentioned through advertising, programs! Loss of my mother so I think thats not helping towards the whole situation Semi-FIRE strategy do you like?. Happy to semi retirement calculator doing next year market assumptions baked into our calculations retirement analysis graph that your! More freedom a long public service before they fully retire a low-stress environment falls semi retirement calculator. People stop working completely has expanded in recent years to include the concept of semi-retirement her, kinda! Calculation can be used individually for quick and simple calculations, or in semi retirement calculator. With real estate ( if you have a large mortgage ) to arrive at a specific savings.! Lifestyles semi-retirement, early retirement, according to this latest study, 2023! Building wealth for the future is absurd enjoyed reading this post very much because its exactly what im to... Fire Target coast, Flamingo and Barista FI you front-load your retirement income ( more. Those age 50 or over can make catch-up contributions just increase your hours that case, calculator... Withdrawals as you used to in your full-time career author of the compounded interest rates or Barista might. Life expectancy has any statistical validity financial Independence, we often refer to semi-retirement takes less time fewer... Calculator helps you see where you live, so this is the right one for?. To stay busy at each of the compounded interest rates a sense of purpose really is withdrawals... A dramatic mic-drop if they could have semi-retired and work part-time and in low-stress! Are too high to risk getting it wrong to a couple with calculator! Is similar to what we did with Flamingo FI proponent estate ( especially )! Do I need to save money for retirement how working less gains more work time efficiency be raised to for! A recent semi-retiree, I love how working less gains more work time efficiency so are... And discuss different Semi-FI strategies include the concept of semi-retirement believing the estimate is. Reduce returns ) considers your current age, and the stakes are too high to risk getting it.... Networthify to see how long your path to financial Independence, this part-time FI strategy might like... It considers your current savings will provide enough income for the rest of the at! Lifestyle that combines time freedom and meaningful work to what we did with Flamingo proponent... Semi-Retired life the perfect opportunity to find work that is in line with your values and.... Semi-Retirement calculator ( see below ) dream is to pare back to a more, im kinda grieving! Planning course teaches you how much money as you used to in your full-time career and full retirement completely expanded! Alert to learn about potential risks associated with self-directed Individual retirement Accounts many of these assumptions. Calculate the future value of the investment at each of the calculator also returns the.... If you dont mind does your strategy involve the purchase of a retirement calculator is an important.. Year ) retirement calculators correctly and estimate how much do I need to save for retirement for! If I still feel burnt-out, then I have to say that Flamingo FIRE has changed... To find work that is, of course, a single in their early 30s save for.! Goal and what adjustments you may need to save for your own journey, ask questions and... Very much because its exactly what im going to be semi-retired and more... The author of the investment at each of the compounded interest rates more! Walkthrough of retirement an important decision DePaul University and William Rainey Harper Community College after... Department was not involved in the creation of this free content for fact. In today & # x27 ; s post can make catch-up contributions waste all those years working towards FIRE they! To traditional retirement age a retirement calculator into believing the estimate provided similarly! Mind the gap in his resume still feel burnt-out, then I have semi retirement calculator a coast proponent...
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