Take income tax into consideration
Income tax typically higher during working years. Where do you put it? Expenses? If so, this over estimates time needed by assuming your expenses including high income tax during working years will be the same in retirement.
I want to share a situation which happened to me some time ago. I ordered some stuff from Europe. I didn't know about the outpost tax limit... I am a newbie in these things, so it sounds silly I guess. However, my order was almost $700, so I had big problems on the customs office. I didn't know what to do, so I asked for help from my family members. Happily, my father advised me to cooperate with https://taxfyle.com/. I got nervous do I didn't ask him anything I just called them. They explained that it is a quite often situation, so I shouldn't worry this much. They saved my time and money. So thanks to everyone who shares information. Even about taxes.
Taxes is always a tough topic, not everyone really knows all the details