In the same vein, lower taxes. If my wife and I make 400k a year in a high tax state, our taxes will be significantly less after retirement (35%+9% vs 15%) this effects the calc in a big way. The 15% is assuming the cap gains rate in post tax dollars.
To support the original commenter we don't need this level if income after retirement, and the calc is of limited use at this level as a result. I do like the work you do on this so wanted to leave that feedback.
Tom
In the same vein, lower taxes. If my wife and I make 400k a year in a high tax state, our taxes will be significantly less after retirement (35%+9% vs 15%) this effects the calc in a big way. The 15% is assuming the cap gains rate in post tax dollars.
To support the original commenter we don't need this level if income after retirement, and the calc is of limited use at this level as a result. I do like the work you do on this so wanted to leave that feedback.